How to Use a Debit Card for PayPal

PayPal is a useful creature for making payments. in the first place designed for on-line payments and purchases, PayPal besides allows you to shop at brick-and-mortar retailers using your PayPal account alternatively of traditional payment methods. You can fund payments from several sources, including your debit card .

If you prefer shopping with a debit wag, it might even be wiser to run payments through PayPal. Doing indeed protects your card data by creating a layer between your checking account and the merchants you shop with on-line, alternatively of swiping your wag or punch in numeral, which creates security risks .

In a global of hackers and ceaseless data breaches, it ’ s nice to insulate your checking history from trouble. That auspices gives you more confidence when buy from on-line vendors that you don ’ triiodothyronine know anything about, and even household-name retailers get hacked sporadically .

This article is about using a debit wag to fund purchases you make through PayPal. If you want to get a new debit wag issued by PayPal ( which might let you spend from your PayPal balance ), you will need to learn about PayPal debit and credit card options.

debit Cards Allowed, not Required

If you ’ re good planning to use your debit card as your “ financing method acting ” at PayPal, you might be adding unnecessary steps. PayPal wants to link to your bank explanation anyway—and that ’ s the lapp report that your debit card pulls from. As a result, you don ’ t need to add your debit poster. In fact, some PayPal transactions are cheaper if you use your bank account for fund ( as opposed to using your debit batting order ) .

How to Use Your Debit Card

To use your debit card on PayPal, you ’ ll need to add it to your profile. To do therefore, log into your account and go to your “ wallet. ” Next, find the section to “ link a debit or recognition card. ”  You can besides add cards while a payment is in advancement by selecting “ add a debit or credit wag ” while you choose how to pay.

Select the type of card you ’ re using and provide the wag information. Entering debit calling card data is the same as entering credit menu information—the format for calling card numbers and passing dates is the same .

Types of Cards

You ’ ll get the most functionality if you use a substantial debit card issued by a bank or credit union. Those cards feature a charge address that matches your family or mailing address, and they have a three- or four-digit security code on the rear .

Prepaid Cards

For erstwhile purchases, some Visa, MasterCard, Discover, or American Express prepaid endowment cards will work. other prepay debit cards that you use as a ersatz for checking accounts frequently do not work .

Limits on Linking

You can only link a debit card to one PayPal account. If you and your partner use cards with the same menu issue, which is common for credit cards, but less common for debit cards, only one of you can use that card with your PayPal account .

Funding source

When you pay for goods or services, verify that you ’ re using the fund method that you want. To do so, look carefully at “ how to pay ” or the final revue screen. You may have respective options, including paying with your debit card, paying directly from a bank report, using a credit card, or spending from your PayPal balance.

Moving money

Since your debit card pulls funds from your checking history, you ’ ll indigence to have money available in your explanation to successfully make a purchase. If you ’ ra low on funds, remember that any purchase will immediately reduce your checking score balance, increasing the odds that you ’ ll bounce checks or be ineffective to make early payments from that account .

Transfers to Your Bank

You can move your PayPal balance to your trust history for release, or to your debit wag for a fee. Your debit card draws money from your checking explanation, sol funds in that report are available for spending with your debit card. To move money to your bank report or debit tease, look for several opportunities to “ Transfer Money ” throughout PayPal websites and apps. Select the choice to transfer funds to your bank account or debit poster .


If you fund a payment with your debit card and get a refund ( because you return an item, for case ), the refund should be applied to your debit tease. If that doesn ’ metric ton happen, the refund will go into your PayPal balance. From there, you can either spend that money elsewhere using PayPal or transfer the funds to your bank report manually.

Fees Are optional

If you like debit cards because they ’ ra cheap, make sure you don ’ metric ton pay unnecessary fees to PayPal. For purchases from businesses—including individual sellers on eBay—PayPal doesn ’ t charge fees to the buyer. If you ’ re the customer, it doesn ’ t matter how you pay, but the merchant has to pay fees, and those charges might lead to higher prices .

If you make personal payments ( repaying friends for pizza night, for example ), PayPal charges you a tip for using your debit or citation tease. But funding the requital with your bank bill is rid. Again, with a debit calling card, the money comes from your checking report anyhow, so you might ampere well fund personal payments immediately from your savings bank account .

Is It Safe to Use a Card ?

PayPal has a few safety and security measures in place for those who use debit cards .

Mistakes and Fraud

Your debit card is linked immediately to your checking account. Any charges to the tease pull money out of checking more or less immediately. In cases of fraud or errors in your report, you might be protected, but it could be hard to pay bills until the funds are returned to your account. A credit calling card would be safer to use than a debit card —assuming you do n’t rack up debt—because credit cards do not pull funds from checking .

Purchases and privacy

Paying with your debit menu through PayPal is safer than precisely using your debit card. Merchants ( american samoa well as hackers, thieves, and employees ) lone see your email address—your PayPal username—and some personal information when you use PayPal. If you use a card directly, they would have access to your card number, security codes, and your mail address. It ‘s hard for thieves to use your PayPal account fraudulently without your password .

Buyer Protection

credit cards have robust buyer protection under federal law. Most debit cards offer similar protection. however, PayPal offers buyer auspices and other features that might go above and beyond what your debit card offers.

frequently Asked Questions ( FAQs )

Can you use a postpaid debit calling card for PayPal ?

Yes, you can pay for purchases using a Visa, Mastercard, American Express, or Discover gift poster at check like you would any debit card. Add them into your virtual wallet using the same work as you would your debit card.

Why ca n’t I add my debit card to my PayPal history ?

check to make sure that you ‘ve entered the card number, card security code, and the placard address correctly. If it ‘s however not working, make certain that the card is n’t linked to another report or try calling your card company to see if they rejected the authority PayPal sent. If all else fails, call PayPal.

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Category : Knowledge

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