Buy now, pay later PayPal offers two convenient ways to make a purchase now and pay later. Choose Pay in 4 at checkout to spread your purchase into 4 interest-free payments. Or apply for PayPal Credit’s 6 digital reusable credit line to shop online and get 6 months special financing on purchases of $99+. See terms. PayPal is a common and popular way to send and request payments all over the globe. If you shop online, you’re likely already familiar with how to make a purchase using PayPal. But it’s also possible to use PayPal to make a payment even if you don’t have a PayPal account yourself. So, we’ve shown you how to add money to your PayPal account and how to send money through PayPal to someone else. Now, we’ll give you instructions for what you’ll probably be using PayPal for the most: paying for online shopping! Oh, and remember that using PayPal to pay for your online purchases is free, meaning that PayPal won’t tack any fees onto the costs of your purchases! It's free to create a PayPal account and use it to make purchases online at retailers that accept PayPal. However, there are a few fees you may encounter: Sellers' fees. If you use PayPal to accept payments, you'll be charged a fee of 2.9% of the transaction amount plus $0.30 per transaction. Transfer fees. PayPal Key is a virtual account number connected to your PayPal account that you can use when making payments online or over the phone. A virtual card such as PayPal Key hides the real details associated with your payment account, providing an extra layer of protection against fraud and identity theft while you shop. Simply create a PayPal account and link a payment method like your bank, credit, and/or debit cards. When you check out online at millions of sites, just look for the PayPal button. Log into PayPal and speed through checkout securely with just an email and password. Pay your way. If you use PayPal as an online merchant or as a way to invoice an employer, a fee of 2.9% + $0.30 will be deducted from your final payment. To get around this fee, calculate it into your price or invoice by multiplying your desired price by 0.029, then adding $0.30. [19] Shop and Pay Online With Your PayPal Account . You can shop and pay online without using a credit card if you have a PayPal account. To do so, you’ll choose the PayPal option at checkout. PayPal will give you the option of paying with your balance or a linked credit, debit card, or a checking account. Make it easy for customers to pay you. You can accept debit or credit cards, PayPal, and PayPal Credit - your customers don't need a PayPal account to pay you. And with PayPal Credit, your customers can get financing for 6 months on purchases of $99 or more* while you get paid in full, up front. As convenient as PayPal is, not every website accepts it. If an online shop only takes credit or debit cards, pick up a prepaid Visa card from your local grocery store, gas station or drugstore.
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