How do I confirm my email address?

Here's how to confirm your email address: 1. 2. 3. 4. Log in to your PayPal account. Click Profile near the top of the page. Click Update next to Email. Choose an email address and click Confirm. Well send an email to that address. 5. Open the email, and click the link to confirm your address. You will automatically return to the PayPal site where you will be asked to enter your password.

If the link doesnt work, theres another way to confirm your email address. To request a confirmation code by mail: 1. 2. 3. 4. 5. 6. Log in to your account. Click Security Center at the top of the page. Click How we help protect sellers under Selling Safely. Click confirmed address. Click visit Alternate Address Confirmation. Select the address where we should send the confirmation code, or click Add a New Address. 7. Follow the instructions.

When you receive the code in the mail, log in to your PayPal account and click Confirm address in the Activate Account box. Then enter your code. After confirming your email address, you can accept payments, but you still need to link a bank account or link a credit card to your PayPal account before you can pay for things. When you pay for things with PayPal, the money will come from these accounts if your PayPal balance is not enough to cover the purchase.

In which countries does PayPal exist?

PayPal is available in 190 countries and regions.

Why are only some pages shown in the translated languages?

For some languages, only the high trafficked pages have been translated. We hope to expand our translations for you in the future.

Can I use an email address registered with another PayPal account?

No. For security reasons, PayPal only allows an email address to be registered on one PayPal account at a time.

Does it cost money to open a PayPal account?

There's no charge to open a PayPal account and to transfer money from your bank account to your PayPal account. There is also no charge to purchase items using your PayPal account. There are fees in other cases, such as:

Receiving payments for goods and services. Receiving payments from friends and family made using a debit or credit card. Receiving payments from people in other countries.

Why should I use PayPal?

PayPal is the safer, easier way to pay. You can use your credit card or bank account without exposing your account numbers. You can link your credit card or bank account to your PayPal account so you don't have to enter your card number or address everywhere you shop. Just log in to PayPal and quickly check out in a few clicks. Accepting PayPal may attract more buyers, including new customers from different parts of the world where we offer our services. Buyers can be confident that they will be able to purchase from you without sharing their financial information. As a seller, you can trust that our advanced technologies will help make processing payments safer for you.

What services are available for my country?

To find the services available for your country, go to the PayPal Offerings Worldwide page at and select your country of residence in the Country list.

PayPal Offerings Worldwide

Use PayPal to send and receive money worldwide. With over 230 million accounts worldwide and growing, we help you securely, easily and quickly pay and get paid locally and across borders. Select a country or region to find out about PayPals offerings: Select a country or region
Send funds without sharing your financial information. Send:

Receive funds quickly from anyone with an email address in the 190 countries and regions that accept PayPal.

Receive:

Withdraw funds from your PayPal account: Withdraw:

To your local bank account. To your credit, debit, or prepaid card. To your US bank account.

Make and receive payments in the currency you select. PayPal supports 24 currencies.

I did not receive my email address confirmation.

You can request that another confirmation email be sent to you. Heres how: 1. 2. 3. 4. Log in to your PayPal account. Click Confirm email address under "Notifications." Click request a new confirmation number. Check your inbox for an email with the new number.

What can I do with PayPal?

PayPal is a fast and safer way to send and receive payments online without sharing your financial information. With PayPal, you can:

Shop online with millions of merchants. Pay online with your PayPal balance, bank account, or credit card. Check out quickly no need to enter your payment and shipping information. Get paid for what you sell on eBay, on your own website, or in online classifieds and forums. Donate to your favorite charity. Use your credit card and earn rewards.

At PayPal, your financial security is our highest priority. We use the latest anti-fraud technology, and youre 100% protected against unauthorized payments sent from your account.

I do not have a PayPal account and my debit or credit card is being denied. Why?
PayPal's process for accepting credit cards payments is rigorous. This helps prevent people from paying for things with stolen or unauthorized cards. The screening process is complex and, on rare occasions, it will impact valid cards.

If you know your card is valid but your payment still doesnt go through, we suggest that you try another credit card or try your transaction again later.

Another option is to pay with your bank account. Paying with your bank account is a quick and easy way to keep track of spending and avoid using your credit card. If you do online banking, it usually just takes a few minutes to link your bank account to your PayPal account. To start, just go to the PayPal website and click Sign Up at the top of the page.

Once youve linked your bank, using it to pay for things is secure. Merchants get paid but they never see your bank account details. They wont even know what bank you use.

How do I know if an email is really from PayPal?

If you think you received a fake PayPal email or have come across a fake (spoof) PayPal website, please report it to us immediately. How to identify fake emails:

Emails from PayPal will always address you by your first and last names or by your business name. We never say things like "Dear user" or "Hello PayPal member." Our emails dont link directly to pages that ask you to enter sensitive information like your bank account, credit card, and national identification or Social Security numbers.

How do I confirm my email if I don't see any hyperlinks?

Some email programs do not support hyperlinks. If you do not see any hyperlinks in an email, you can copy and paste the entire confirmation URL from the email into your browser and enter your password. Or, you can confirm your email address by logging in to your PayPal account and following a few steps.

1. 2. 3. 4. 5. 6.

Log in to your PayPal account. Click the Confirm email address under "Notifications." Click Click here if the button does not appear in the email. Copy the Confirmation Number included in the email. Paste the Confirmation Number in the box provided Click Confirm.

You have finished signing up and may start using your PayPal account.

Why should I use PayPal when I already have credit cards?

With PayPal, you can pay for items with your credit card without exposing your account numbers. You can add your credit card to your PayPal account so you don't have to enter your card number or address everywhere you shop. Just log in to PayPal and quickly check out in a few clicks. If you sell items on the Internet, accepting PayPal may attract more buyers, including new customers from different parts of the world where we offer our services. Buyers can be confident that they will be able to purchase from you without sharing their financial information. As a seller, you can trust that our advanced technologies will help make processing payments safer for you.

Why does my PayPal account have only send capabilities?

Members in some countries and regions may only use PayPal to send payments and not receive payments due to the complexities of global finance. We are constantly working to improve services for you and hope to expand our features for you in the future. You can view the countries with send only capabilities under the Send Money to Anyone in the Growing PayPal Network on the PayPal Worldwide page.

What is PayPal's transaction limit?

The maximum amount allowed for a single transaction is $10,000 USD by a PayPal member. If you dont have a PayPal account, you can send a maximum of $4,000 USD for a one-time, single transaction. For PayPal members living outside the U.S., the maximum transaction limit depends on the currency in use:

EUR - 8000 CAD - 12500 GBP - 5500 JPY - 1.000.000 AUD - 12500 CHF - 13,000 NOK - 70,000 SEK - 80,000 DKK - 60,000 PLN - 32,000 HUF - 2,000,000 CZK - 240,000 SGD - 16,000 MXN - 110,000 ILS - 40,000 HKD - 80,000 NZD - 15,000 TWD - 330,000 THB - 360,000 PHP - 500,000 BRL - 20,000 ARS - 30,000 MYR - 40,000

If you live outside of the U.S. and do not have a PayPal account, your transaction limit may vary.

Is PayPal secure?
Yes. PayPal uses SSL technology to keep your information safe. In addition, when you send a payment using PayPal, the recipient won't receive sensitive financial information like your credit card or bank account number. This way, you don't have to worry about paying people you don't know.

What are the fees for PayPal accounts?

Opening an account: PayPal doesn't charge a fee to open a PayPal account.

Sending money Personal payments: It's free within the U.S. to send money to family and friends when you use only your PayPal balance or bank account, or a combination of their PayPal balance and bank account. There is a fee to send money as a personal payment using a debit card or credit card. The fee in the U.S. is 2.9% plus $0.30 USD of the amount you send. For example, if you send $100.00 USD by credit card, the fee would be $3.20 USD ($2.90 + $0.30). For personal payments, the sender can pay the fee or pass it on to the recipient. If the recipient doesn't want to pay the fee, they can choose not to accept the payment. Receiving money Personal payments: It's free to receive money from friends or family in the U.S. when they send the money from the PayPal website using only their PayPal balance or their bank account, or a combination of their PayPal balance and bank account. If you receive a personal payment made from a debit card or credit card, the sender has the option to pay the fee or pass it on to you. If you don't want to pay the fee, you can choose not to accept the payment. If the fee is passed to you, it is 2.9% plus $0.30 USD of the amount you receive. For example, if you are sent $100.00 USD by credit card, the fee would be $3.20 USD ($2.90 + $0.30). This fee also applies if you click Request Money on the PayPal website and request money from friends and family. The fee applies if your friend or family member pays you using only their PayPal balance or their bank account, or a combination of their PayPal balance and bank account. Goods and services Purchase payments: Theres no fee to use PayPal to purchase goods or services. However, if you receive money for goods or services (such as from selling an item on eBay), the fee for each transaction is 2.9% plus $0.30 USD of the amount you receive. International payments: There is a fee when you send a payment to someone in another country or if you receive a payment from someone in another country. Please note that exchange rate fees also apply if there is a currency conversion. The Fees section of the PayPal User Agreement has specific information. You can find the User Agreement by clicking Legal Agreements at the bottom of any PayPal page. Note: Unfortunately, weve had to stop allowing personal payments to be sent to and from India. If youre sending money for a personal payment to India, we ask that you find another way to pay until were able to restore personal payments to this area. Withdrawing money:

You can withdraw money from your PayPal account to your bank account at no cost. If you prefer to receive a check, there is a $1.50 fee.

Is there a fee associated with the Seller Protection Policy?

No, Seller Protection is a free service provided to our members. It reinforces PayPal's commitment to building trust and safety in our network.

What are the fees for requesting money and invoicing?

Theres no fee to send an invoice or money request. You pay a fee when a customer sends you money.

Fees

Online purchases * Pay Get paid

Personal payments ** Send money Receive money

Free when you use your PayPal balance *** 3,4% + $0,30 USD for credit card payments (either the sender or recipient can pay this fee).

Free

2,4% to 3,4% + $0,30 USD

The fees stated above are based on our domestic rates. Additional fees for cross-border payments and currency conversion may apply. The fees stated above are based on our domestic rates. Additional fees for cross-border payments and currency conversion may apply.
Cross-border and multiple currencies

Free to open a PayPal account. Fees for withdrawals from your PayPal balance.

* Online purchases: Payments made mainly to purchase goods or services online at eBay and thousands of websites worldwide that accept PayPal. ** Personal payments: Payments made mainly to individuals as opposed to businesses, such as splitting the cost of a birthday gift or paying back a friend for lunch. *** If your transaction involves a currency conversion, it will be completed at a foreign exchange rate PayPal obtains from a financial institution, which is adjusted regularly based on market conditions. This exchange rate includes a 2,5% processing fee above the exchange rate, and the processing fee is retained by PayPal. The specific exchange rate that applies to your multiple currency transaction will be displayed at the time of the transaction.

What are the fees for receiving payments in other currencies?

For full details about the fees for receiving different currencies, please log in to your account and click Fees at the bottom of the page. Fees will be charged in the currency of the payment. To learn about cross-border transaction fees, click the "Additional fees for cross border payments and currency conversion" link toward the bottom of the page.

Where can I find PayPal's currency exchange rates?

Here's where you can see our currency exchange rates: 1. 2. 3. 4. 5. 6. Log in to your account. Click Profile near the top of the page. Click My money. Click Currencies next to PayPal balance Enter the required information under Currency Exchange and click Calculate. The exchange rate is displayed, and you can review it before you complete your payment.

Note: If you use your credit card association's currency conversion procedures, We cant disclose the exchange rate to you.

What is the easiest way to calculate fees?

One of the easiest ways to calculate PayPal fees paid for the year is to input your fee deductions into Microsoft Excel by following these steps: 1. Download your transaction history for the year and import it into Microsoft Excel. Make sure to download your history as "Comma" or "Tab Delimited" 2. Change the column format to Accounting by: 1. Highlighting the entire Excel column where your fees are listed (click the very top cell of the column where the column letter is located). The entire column should be highlighted. 2. Right click with your mouse on the highlighted area and select Format Cells.

3. Select Number and then Accounting in the category window and select 2 decimal points. 4. Click OK. 5. Click on the empty cell under the last amount in the Fee column and press the Auto Sum button on the Excel Formatting bar (located under the main menu bar). The Auto Sum feature looks like a sideways letter M and is located to the right of the Insert Hyperlink button. 6. Verify the sum action for the current highlighted column by pressing the Enter key on your keyboard. You fees total will be calculated and entered into the cell you clicked on in Step 5.

Note: PayPal cannot help you with any issues regarding Microsoft Excel.

What are the fees to receive payment from a different country?

In most cases we charge a fee to receive a payment from someone in another country. For specific information, see the fees section of our User Agreement. Note: Unfortunately, weve had to stop allowing personal payments to be received from India. If youre receiving money for a personal payment from India, we ask that you find another way to receive payment until were able to restore personal payments to this area.

How do I find the fees I am being charged?

You can find the fees you've been charged in your transaction history. Here's how: 1. Log in to your PayPal account. 2. Click 'History' at the top of the page. 3. See the Fee column in your activity list. Click 'Fees' at the bottom of any PayPal page for more information.

Can I have a PayPal Personal and a Premier/Business Account?

Yes, PayPal users can have one Personal account and one Premier or Business account. Each account needs to have a unique email address, bank account and credit card.

What is the difference between Personal, Premier, and Business accounts?

All PayPal accounts allow you to send and receive payments.

Personal: Recommended for individuals who shop and pay online, or wish to send or receive personal payments for shared expenses such as splitting of dinner bills or rental charges. Premier: Recommended for casual sellers or non-businesses who wish to get paid online, and who also make online purchases. Business: Recommended for merchants who operate under a company/group name. It offers additional features such as allowing up to 200 employees limited access to your account and customer service email alias for customer issues to be routed for faster follow-ups.

Fees: For complete information on PayPal transaction fees, please see the fees section of our User Agreement or click "Fees" at the bottom of any PayPal webpage.

Can I have multiple PayPal accounts?

Yes. You can have one Personal account and one Premier or Business account. You can add more email addresses, debit or credit cards, and bank accounts to your account, but each account must have its own email address and financial information. You can also upgrade your Personal account to a Premier or Business account.

What information is required to open a Personal PayPal account?

To open a personal PayPal account, you'll need to provide your name, address, phone number, and email address. We also ask that you create a password for your PayPal account and choose two different security questions to answer. This information is necessary for us to protect you from loss of password, credit card fraud, or to contact you should the need come up.

How do I upgrade from a Premier to a Business account?

Here's how: 1. 2. 3. 4. 5. 6. 7. Log in to your PayPal account. Click Profile near the top of the page. Click My personal info. Click Update near Business Information. Click Upgrade. Select a business type and click Continue. Enter your business information and click Continue.

8. What features do Personal accounts offer?

9. With a Personal account, you can send money to almost anyone with an email address. You can send and receive some types of payments with no fees, and pay low fees for others. For complete information, see the fees section of our User Agreement. Note: Unfortunately, weve had to stop allowing personal payments to be sent to and

from India. If youre sending money for a personal payment to India, we ask that you find another way to pay until were able to restore personal payments to this area.

How do I change my account from a Business account to a Premier account?

You can call PayPal Customer Service and we will help you change your account from a Business to a Premier account. Here's how: 1. Log in to your account. 2. Click Contact Us at the bottom of the page. 3. Click Call us. You can also send us an email with your request to change your account type. Heres how: 1. Log in to your account. 2. Click Contact Us at the bottom of the page. 3. Click Email us. You must log in to your account to make the request since that is more secure. Please be sure to include all the details of the account type change in your email. We will contact you once the account type is changed.

Does PayPal prohibit transactions for pyramid, matrix, and multi-level marketing programs?
Yes. To determine if transactions violate this policy, PayPal considers these factors:

Commissions offered to recruit new members Requirements for new distributors to purchase costly inventory or "start-up kits" Members' profits derived from recruiting new members or from the sales of newly-recruited members ("downline") rather than their own sales Payouts from fees or contributions paid by new or existing members Money paid into the system that is significantly greater than money paid out Unrealistic or unsupported promises regarding profits or return on investment Percentage of the company's goods sold by a non-distributor Flow of money derived from new members predominantly moves "upline" Preservation of the business rests on the exponential growth of new members or customers Offers of speculative real estate or non-development property Business functioning as an auto-surf investment program or a high-yield investment program Warnings from governmental agencies about the business model

PayPal defines these programs as follows. Pyramid schemes Existing members receive payouts funded by new payments into the program from new member fees or existing member contributions.

Matrix programs Individuals pay primarily to be added to a waiting list for a product. The individual at the top of the list receives the product only after a set number of people have joined after that individual. "Get rich quick" schemes Include any type of self-employment, start-up business, or investment opportunity where the claims of profit or returns on investment are unrealistic or unsupported. Multi-level marketing programs Individuals receive proceeds from their sales of goods or services and from those of recruited members. PayPal generally prohibits multi-level marketing programs that offer payouts to both the seller and the individual(s) who recruited the seller. PayPal reserves the right to permit certain multi-level marketing programs at its sole discretion.

How does PayPal approve merchants who use PayPal to offer stocks, bonds, securities, or related certificates?
Merchants must seek prior approval if they intend to use PayPal to sell stocks, bonds, securities, options, futures, or investment interest in an entity or property, including (but not limited to) corporations, partnerships, and non-development property. PayPal requires approval to ensure the safety of PayPal users and compliance with the regulatory and licensing requirements that apply to this industry. Merchants can inquire about approval in accordance with this policy by sending contact information, business URL, and a brief business summary to compliance@paypal.com.

What is PayPals policy on transactions that involve sexually oriented goods and services?
Physical Goods PayPal allows U.S. only transactions for certain sexually oriented physical goods, such as videos, DVDs, magazines, or other products physically delivered to the customer. PayPal does not permit transactions for sexually oriented physical goods by users outside the U.S. To determine which types of physical goods to permit, PayPal considers these factors:

Regulations or restrictions on the purchase or sale of the product in the applicable jurisdiction. Classification of the product by a recognized ratings board. Description or depiction of sexual conduct in a patently offensive way. Dominant theme of the material or website. Literary, artistic, political, or scientific value. Impact on the safety and protection of PayPal's customers. Potential medicinal or educational uses.

Digital Goods PayPal prohibits all account holders from buying or selling sexually oriented digital goods, including downloadable pictures or videos, subscriptions to websites, or other content delivered through a digital medium.

Other Prohibited Goods and Services PayPal prohibits all account holders from buying or selling any sexually oriented goods or services involving minors or made to appear to involve minors, and any services for which the purpose is to facilitate meetings for sexually oriented activities. PayPal does not include sexual preferences or viewpoints as a factor to determine what this policy prohibits.

What is PayPal's policy regarding transactions for narcotics, steroids and controlled substances?
PayPal prohibits all transactions for illegal drugs and any product that it determines may be a risk to consumer safety. To identify products that jeopardize consumer safety, PayPal reviews laws, regulations and other government actions, other available evidence, and marketing content related to the product. Some products may be regulated differently depending upon the jurisdiction of the user. PayPal prohibits the following products regardless of the regulations in the account holder's jurisdiction: anabolic steroids, certain steroid precursors or hormones, Human Growth Hormone, Gamma hydroxybutyrate (GHB), Rohypnol, and products containing ephedra.
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What is PayPal's policy regarding transactions for narcotics, steroids and controlled substances? How does PayPal approve merchants who use PayPal to offer stocks, bonds, securities, or related certificates? Does PayPal prohibit transactions for pyramid, matrix, and multi-level marketing programs?

Contact us by phone or email

What are some reasons why my payment would be held?

In deciding whether to apply payment holds, PayPal reviews many factors including:

Account tenure Transaction activity Business type Past customer disputes Overall customer satisfaction

Holds are typically placed on:

New sellers or sellers who have limited selling activity - until they build up a history of successful transactions Merchants selling in higher-risk categories like electronics or tickets, where we see higher levels of chargebacks and disputes Sellers who have performance issues, or a high rate of buyer dissatisfaction or disputes

What is PayPals policy on transactions that involve firearms?

PayPal prohibits all account holders from buying or selling any type of firearm and certain firearm parts and ammunition. Firearms Include all rifles, shotguns, and handguns, whether they are intended for use in sporting, as collectibles, or as curio and relic firearms. These items are prohibited regardless of their present working order.

Firearm parts - Include, but are not limited to, receivers and frames, silencers, kits designed to convert a firearm to automatic firing capability, high capacity magazines, multi-burst trigger activators, and camouflaging firearm containers.

Ammunition - Includes ammunition with propellant, such as gunpowder or blank ammunition. Ammunition is defined as ammunition or cartridge cases, primers, bullets, or propellant powder designed for any firearm.

Stun guns - For U.S. residents, PayPal allows transactions for stun guns only if the transaction is permitted by law in both the buyer's and seller's jurisdictions. U.S. sellers must ensure that each transaction is legal in both locations before completing the sale. Transactions for stun guns involving account holders outside the U.S. are prohibited.

Other Related Items PayPal allows transactions for paintball guns, blank guns, and air-soft guns as permitted by law in the applicable jurisdiction. These items must display all markings required by law, must not be convertible to shoot a lethal projectile, and must not include blank ammunition.

What is PayPal's policy regarding transactions for prescription drugs?

PayPal restricts transactions for prescription drugs and certain products that are regulated by governmental agencies. In addition, transactions for certain medical devices must comply with all applicable regulations. Prescription Drugs PayPal prohibits all transactions for prescription drugs unless merchants receive prior approval from PayPal. PayPal also considers the marketing of a product and may restrict transactions for products marketed to function as a prescription drug.

Related Products PayPal may restrict transactions for recalled drugs, unapproved drugs, and dietary supplements that have been banned by governmental agencies. Medical Devices The sales of medical devices must comply with all applicable regulations and PayPal may restrict transactions for products that violate those regulations.

What types of weapons and knives does PayPal prohibit?

PayPal prohibits transactions for certain hand weapons or knives that may be illegal or restricted in some jurisdictions. Weapons PayPal generally prohibits transactions for these types of weapons:

Nunchaku. Brass or other metal knuckles. Leaded canes, staffs, crutches, or sticks. Zip guns, shurikens or throwing stars. Hand grenades or metal replica hand grenades. Billyclubs or batons, sandclubs, sandbags, or slungshots (also known as saps or blackjacks).

For other hand weapons, sellers must ensure the weapon is lawful in both the buyer's and seller's jurisdiction before completing the sale. Knives PayPal generally prohibits transactions for switchblade knives and disguised knives. A switchblade is any knife resembling a pocketknife with a blade that can be released automatically or by use of a trigger. Other names for switchblades include spring-blade knives, snap-blade knives, gravity knives, and butterfly knives. A disguised knife is a knife designed to look like a harmless item. Examples of disguised knives include belt buckle knives, cane swords, shobi-zue, lipstick case knives, air gauge knives, and writing pen knives. Other Related Items PayPal prohibits transactions for destructive devices and the sale of military equipment or supplies that violate laws or regulations in the buyer's or seller's jurisdiction.

What gambling activities does PayPal prohibit?

PayPal prohibits transactions for gambling activities by merchants and account holders in the U.S. and any jurisdiction where gambling activities are illegal, and by merchants whose services are accessible to account holders in the U.S. PayPal allows approved gambling merchants to use our service in certain jurisdictions where gambling activities are legal. To be approved by PayPal, merchants must demonstrate to PayPal's satisfaction that they have the ability to block gambling activities for account holders in the U.S. and any jurisdiction where gambling activities may be illegal.

Unless the merchant has been approved by PayPal, account holders may not use PayPal to send or receive payments for any form of gambling activities, including but not limited to payments for wagers, gambling debts, and gambling winnings, whether conducted online, in person, or through any other means of communication. Gambling includes placing, accepting, recording, or registering bets; participating in lotteries; or otherwise carrying on a game of chance for money, property, or other things of value. PayPal prohibits the following activities, even where the specific activity is lawful and/or is not legally defined as gambling, unless the transactions are associated with an approved merchant. Games of chance and games of skill Includes any activity with an entry fee and a prize, regardless of whether the outcome is determined by chance or skill. Casino games -Include (but are not limited to) the following virtual or physical games: baccarat, blackjack, craps, faro, keno, pachinko, pai gow, poker (whether or not it is considered a game of skill in the gambler's jurisdiction), roulette, sic bo, slot machines, or wheel of fortune. Sports books or sports betting Includes placing bets on actual sporting events against a bookmaker or through a betting exchange. Horse or greyhound racing Includes gambling on the following types of races: Simple betting (betting between individuals). Sweepstakes betting, where large entry fees, or stakes, are pooled and awarded to winners. Bookmaking betting, in which speculators offer odds against each horse or dog and accept bets against their predictions. Pari-mutuel betting, where betting odds on a given horse or dog are derived from a comparison between the total amount wagered on the animal and the total wagered on all the animals in the race. Off-track betting (OTB), where players bet on a race taking place in a location outside of where the bettor is situated. Person-to-person betting Includes individual wagering and wagering through betting exchanges. Lottery tickets Include the purchase or sale of any opportunity to participate in a raffle, drawing, sweepstake, pool, or any other form of game or contest involving the distribution of prizes or monetary compensation. Gaming machines Include devices meeting the following three criteria: 1. Constructed or adapted for playing a game of chance. 2. Containing a slot or other aperture for the insertion of money or money's worth in the form of cash or tokens. 3. Offering prizes in money or money's worth regardless of whether any player is at risk of losing any money or money's worth.

Gambling-related ventures PayPal may also prohibit transactions for the following ventures related to gambling: Gambling services, such as handicapping, or providing gambling tips or instructions. Use of intermediaries to facilitate the process of placing bets or securing offshore gambling licenses. Organized forums that facilitate person-to-person betting. Merchants seeking approval to conduct gambling activities in accordance with this policy may send contact information and a brief summary of their business to compliance@paypal.com.

What is PayPal's policy regarding payments for goods and services that may promote hate, violence, or intolerance?
PayPal is a worldwide company with account holders in many countries where the possession or sale of certain items associated with hate organizations is a criminal offense. To determine what goods and services should be prohibited, PayPal carefully considers the following factors:

The promotion or glorification of hate, violence, or intolerance because of a person's race, religion, national origin, ethnicity, gender, disability, or sexual orientation. Any graphic portrayal of violence or victims of violence. Previous activity associated with the account holder. Any transactions that involve financial exploitation of a crime.

The following are examples of items that PayPal generally prohibits:

Items that appear to be sold to fund or that imply or promote support for membership in the Irish Republican Army (IRA) or other prohibited organizations under U.K. law. Items containing Nazi, SS, or Ku Klux Klan symbols, including authentic German WWII memorabilia

Does PayPal permit transactions for pre-sale items?

Pre-sale items are advertised for sale before the seller has the items. Often, these items are sold before they are available to the general public. Or, the seller uses the funds from the sale to purchase the item that has already been sold. PayPal permits pre-sales on a limited basis, only if the seller guarantees shipment within 20 days from the date of purchase and clearly identifies the item as a pre-sale. PayPal may apply additional conditions, such as proof of the seller's ability to successfully deliver the product: supplier information, purchase invoices, shipping information, or proof of delivery.

How can account holders verify if their product is in compliance with the Acceptable Use Policy?
Account holders with questions about the Acceptable Use Policy can send a description of their product or service and their business URL to aupviolations@paypal.com.

What is PayPal Buyer Protection?

When you pay with PayPal on any website PayPal Buyer Protection covers you if you have a problem. If an item doesnt arrive or is significantly not as described we will help you to get a full refund. To qualify for PayPal Buyer Protection:

Use PayPal to complete your payment. Pay for the item with one payment. Items purchased with multiple payments aren't eligible. Let the seller know there's a problem with the transaction by opening a dispute in the Resolution Center within 45 days of making your payment. Then, escalate the dispute to a claim within 20 days of the date you opened the dispute. Keep your PayPal account in good standing.

If your transaction qualifies for PayPal Buyer Protection you are covered for the full purchase price plus the original shipping charges. You can report your problem in the PayPal Resolution Center or the eBay Resolution Center. Either way, youll receive the same coverage. To find out how to report a problem on eBay, go to eBay and click Resolution Center at the bottom of any page. Please note that some purchases such as vehicles in the Motors category, intangible items, capital equipment in the Business & Industrial category, and Real Estate aren't eligible for PayPal Buyer Protection. To learn more about PayPal Buyer Protection and to see a full list of eligibility requirements and exclusions, please review our User Agreement. You can find the User Agreement by clicking Legal Agreements at the bottom of any PayPal page.

Besides the items specifically named in the Acceptable Use Policy, does PayPal regulate any other goods or services?
Buyers and sellers are responsible for making sure that their transactions comply with PayPal policy and the law. Items bought and sold must be legal in both the sellers and the buyers locations.

We prohibit any transactions that we determine (or suspect) might be illegal.

We also regulate transactions involving:

Items that fall into highly regulated categories or industries, many of which are also regulated by government and other agencies worldwide. One such category is animal and wildlife products, including the sale and delivery of live animals or any part of an endangered or protected animal. Embargoed goods -- items that are subject to government sanctions or a ban on trade with particular countries, businesses, organizations, or individuals. Merchants must comply with the rules and regulations enforced by the U.S. Treasury Office of Foreign Assets Control. The resale of entertainment and event tickets, including sporting events, concerts, and plays. Professional sports club and football tickets in the United Kingdom, including the resale of tickets for football matches. Such transactions are highly regulated, and can even be subject to criminal prosecution. We dont allow transactions for tickets to professional football matches that take place in England or Wales; take place outside England or Wales but in a country or region where English and Welsh national and club teams are eligible to play; are held anywhere in the world as part of a competition or tournament organized by FIFA or UEFA, if an English or Welsh national or club team has participated or is eligible to participate.

We may allow authorized dealers and professional sports clubs to sell tickets to these matches, but only with our prior approval.

Law enforcement and police-related items like badges, equipment, or anything thats restricted (or prohibited) by domestic and international law enforcement agencies. Merchants in industries that require licensing or registration with a government or other official agency. We may request special documentation from such merchants before they can buy or sell using PayPal.

What is Seller Protection?

It is a form of protection for eBay sellers with a registered PayPal account. It covers eBay sellers for claims, chargebacks and reversals for unauthorized payments and Items Not Received when transactions meet the eligibility criteria. The coverage is only available for items sold on eBay that are paid for with PayPal. For specific terms and conditions, click Legal Agreements at the bottom of any PayPal webpage.

What types of tobacco products does PayPal prohibit?

PayPal generally prohibits transactions for all types of tobacco products, including cigarettes, cigars, and smokeless tobacco due to legal requirements and industry regulations for online tobacco sales.

What is PayPals policy on transactions that involve credit repair or debt settlement services?
PayPal does prohibit transactions for certain credit repair, credit counseling or debt settlement services based upon the consideration of several factors. PayPal will prohibit transactions for services associated with any of the following activities:

Marketing services with potentially false or misleading claims. Charging fees prior to the completion of advertized services. Failing to provide adequate details in the contract offered to the customer, including the cost, description of services and timeframe for completion. Offering services that include adding a customer's name to an established loan or a line of credit with the intention of improving the customer's credit score. Engaging in activities that are the subject of investigations or warnings by governmental agencies.

At its discretion, PayPal may allow certain services that have been approved or certified by a recognized public or private organization.

Besides the items specifically named in the Acceptable Use Policy, does PayPal regulate any other goods or services?
PayPal account holders are responsible for ensuring that their transactions comply with the laws and regulations in their jurisdiction. PayPal prohibits any transaction we determine or suspect may be illegal. The following are examples of items from highly regulated industries that are subject to the requirements of the Acceptable Use Policy.

Animal and Wildlife Products The sale and delivery of live animals and certain endangered or protected animal parts are regulated by governmental agencies worldwide. Transactions for these items must comply with all applicable laws.

Embargoed Goods Various governmental agencies have sanctions that substantially regulate or ban all trade with particular countries, businesses, organizations, or individuals. PayPal requires all merchants to comply with sanctions enforced by the Office of Foreign Assets Control of the U.S. Department of the Treasury. PayPal prohibits transactions that violate any of these requirements.

Event Tickets The resale of entertainment event tickets (including sporting events, concerts, and plays) must comply with all laws and regulations in the applicable jurisdiction.

Professional Sports Clubs and Football Tickets in the United Kingdom The resale of tickets for football matches is highly regulated in England and Wales, and criminal law often prohibits the resale of such tickets. PayPal prohibits transactions for football tickets to professional matches that meet any of the following criteria:

Take place in England and Wales. Take place outside England or Wales where English or Welsh teams (including both National and Club Teams) are eligible to play. Take place anywhere in the world as part of a competition or tournament organized by FIFA or UEFA in which an English or Welsh national or club team has participated or is eligible to participate.

PayPal may allow authorized dealers to accept payments to these matches after prior approval from PayPal.

Professional sports clubs must receive prior approval from PayPal to sell tickets.

Police-Related Items The sale of law enforcement badges or law enforcement equipment is restricted by domestic and international law enforcement agencies. PayPal prohibits sales that violate these laws.

Related Industries PayPal performs due diligence on merchants in various industries and may request documentation from any merchant operating in an industry that requires licensure or proper registration with a governmental body.

What is PayPal's policy regarding the sale of real property?

It is prohibited to use PayPal for the sale of real property. Real property is property that includes land, building, and anything affixed to the land. Apart from the direct sale of real property, other variations on this model are prohibited:

Raffles/Lotteries: A website hosting a house raffle/lottery provides its users the opportunity to purchase chances to win a specific house.

Auctions: A website allowing its users to sort through property listings and place a bid on their desired property. There are many variations to the winning process, but typically the highest bidder or the individual who comes closest to the value of the house wins. Reverse Auctions: A website would typically offer properties for sale by a reverse auction process, where rather than the bidder with the highest bid winning, the winner is the individual who has the lowest unique bid. There is an administration/bid fee paid to make a bid. Tax Lien Certificate Auctions: A website allowing users to place bids on tax lien certificates. The certificate represents a lien on a property for the sum of the unpaid taxes. The winning bidder will become the tax lien holder of the property in question. Timeshare Sales: A website allowing its users to sell, buy, or rent out their timeshares.

What is PayPal's policy for merchants who use PayPal as money transmitters or to issue stored value cards?
PayPal defines a money transmitter as any business that accepts and transmits currency or funds, or the value of the currency or funds, by any means. PayPal defines stored value cards as funds or monetary value represented in a digital electronic format. They can be stored on electronic media, and retrieved and transferred electronically. PayPal prohibits reselling pre-paid debit or other stored value cards unless they are associated with a single vendor. Merchants must seek prior approval if they intend to use PayPal as a money transmitter or for first-party issuance and sale of pre-paid debit and stored value cards associated with a single vendor. To be approved, merchants must provide proof of license or registration with the applicable country-specific regulatory bodies and their anti-money laundering policies and procedures. Merchants can inquire about approval in accordance with this policy by sending contact information, business URL, and a brief business summary to compliance@paypal.com

What is my backup payment method?

Your backup payment method is the debit card, credit card, or bank account which is charged if an Instant Transfer fails.

How do I send a payment by using PayPal?

You can select your debit or credit card each time you make a payment: 1. 2. 3. 4. Log in to your PayPal account and click Send Money at the top of the page. Enter your payment information and click Continue. Click Change in the Payment Method section and select your card. Review your payment and click Send Money.

Just keep in mind that if you have a balance in your PayPal account, we'll use that before your debit or credit card. If you don't have a PayPal account, you can enter your debit or credit card information during checkout to complete the payment.

Which email address does my customer send a payment to?

When you receive a payment for an item listed on eBay with PayPal as a payment option, the payment is sent to the email address designated in the Sell Your Item form for that listing. When a buyer uses the send money flow from their PayPal account, the payment is sent to the email address the buyer enters in the payment flow. Please note that if the payment is sent to an unregistered email addresses, the payment will not post to your PayPal account until you add and confirm the email address.

How do I convert my PayPal balance to a different currency?

You can convert some or all of your PayPal balance from one currency to another currency. Were introducing a new and improved Profile to some customers. Until all customers are using the new Profile, there are 2 sets of instructions on how to do this. Please follow the instructions that match what you see on the site.

Heres how to convert your PayPal balance to a different currency:

1. 2. 3. 4. 5. 6. 7. 8.

Log in to your PayPal account. Click Profile at the top of the page. Click Currency Balances under the Financial Information column. Enter the amount you want to convert under the Currency Exchange column. Choose the new currency. Click Calculate to preview the conversion. Click Review Exchange to see the conversion details. Click Exchange Currency to confirm the transfer.

Note: Currency conversions are not available for PayPal accounts in Argentina, Brazil, and Malaysia. Or 1. 2. 3. 4. 5. 6. 7. 8. Log in to your PayPal account. Click Profile at the top of the page. Click My money, and then click Currencies. Enter the amount you want to convert under the Currency Exchange column. Choose the new currency. Click Calculate to preview the conversion. Click Review Exchange to see the conversion details. Click Exchange Currency to confirm the transfer.

Note: Currency conversions are not available for PayPal accounts in Argentina, Brazil, and Malaysia.

Why cant I send a personal payment to India?

Unfortunately, weve had to stop allowing personal payments to be sent to and from India. If youre sending money for a personal payment (such as a gift for a friend or family member), we ask that you find another way to pay until were able to restore personal payments to India. If youre sending money for something you purchased, you can send the payment to the seller through PayPal as usual: 1. Log in to your PayPal account. 2. Click Send Money. 3. Enter the email address or mobile phone number of the person you are sending the money to. 4. Enter the amount of money you wish to send, and choose the currency from the list. 5. Select Goods, Services, or eBay Items, depending on your purchase. 6. Click Continue. We are trying to resolve this issue as quickly as possible and were sorry for any inconvenience.

What is the maximum amount I can send with my PayPal account?

To see your sending limit:

1. Log in to your PayPal account. 2. Click My Account at the top of the page. 3. Click View limits next to your PayPal balance. Need to send more money than your sending limit allows? You can lift your sending limit by linking your bank account or credit card to your PayPal account. To lift your sending limit:

1. 2. 3. 4. 5.

Log in to your PayPal account. Click My Account at the top of the page. On the Overview page, click View limits next to your PayPal balance. Click Lift Limits. Decide how you want to lift your sending limits and follow the directions.

How do I send money?

With PayPal, you can send money to anyone with an email address. Heres how to send money: 1. 2. 3. 4. 5. 6. 7. Log in to your PayPal account. Click Send Money. Enter the recipients email address and the amount you want to send. Select Purchase or Personal, then choose the reason for the payment. Click Continue. Review the amount, the payment method, and shipping address. Add a message (if you want to), then click Send Money.

Well send the recipient an email to let them know that you sent them money. If they dont have a PayPal account, we explain how to sign up for one. PayPal members must confirm their email address before the money will be credited to their PayPal account. When you send money, we use your PayPal balance first. If you dont have enough money in your PayPal balance, well use the payment method you select.

I sent money to the wrong email address, but the payment is completed. What do I do?
PayPal cannot reverse payments that have been claimed. We recommend that you contact your recipient directly and make arrangements to have the money refunded to you via PayPal or another method of your choosing.

How do I pay for a money request or invoice?

Here's how to pay a money request or invoice: 1. 2. 3. 4. 5. Log in to your PayPal account. Click History and find the invoice or money request. Click Pay under Order status/Actions. Review the information and click Continue or Pay. Click Pay Now to complete the transaction.

If you dont have a PayPal account: 1. Check your inbox for an email from PayPal. 2. Click the Pay Now button in the email. If you dont see the button, click the link in the email or copy and paste the URL into your browsers address bar. 3. Click Continue and follow the instructions to sign up for a PayPal account and pay. 4. If you dont want to sign up for a PayPal account, click debit or credit card and follow the instructions to pay with your card.

How do I send a payment using my PayPal balance?

Payments are automatically made using your PayPal balance first. To send a payment:

1. Log in to your PayPal account and click Send Money at the top of the page. 2. Enter your payment information and click Continue. 3. Review your payment and click Send Money.

Can I cancel a payment that I've already sent?

You can cancel only unclaimed payments. If your payment is complete, please contact the recipient of the payment to request a refund. Unclaimed payments can be cancelled for the following reasons:

A payment sent to an email address is not associated with a PayPal account. Once the email address is added to a PayPal account, the payment is automatically credited to the balance of that account. A payment is sent to a recipient with an unconfirmed email address. For security reasons, PayPal can only credit payments sent to a confirmed email address.

Here's how to cancel a payment: 1. 2. 3. 4. Log in to your PayPal account. Click the My Account tab. Click the History subtab. Click Cancel in the Order status/Actions column of the transaction in question. 5. Click Cancel Payment.

Note: If Cancel is not an option in the Order status/Actions column, the payment has been claimed and cannot be cancelled. If you cancel an eCheck payment or Instant Transfer, the money will be withdrawn from your bank account but credited back to your PayPal account balance. If you can't cancel the payment, then you still have the option to request a refund.

What are my payment and funding options when I use my PayPal account?
If your PayPal balance isnt enough to cover a payment, you can choose how you want to pay. You can pay directly from your bank account or with your debit or credit card. Adding money to your PayPal balance To add money to your PayPal balance, you can link your bank account. If you do online banking, you can usually link your bank account and your PayPal account in a few minutes. (If you dont do online banking, it only takes a few days to link accounts.) To add funds,

1. 2. 3. 4. 5. 6.

Log in to your PayPal account. Click Add Funds at the top of the page. Click Add Funds from a U.S. bank account. Choose the bank account you want to take funds from. Enter the amount to transfer and click Continue. Review the transfer details and then click Submit.

Payment methods When you pay for something, the first thing well do is check your PayPal balance to see if you have enough to cover the payment. If you do, well use your balance to make the payment. If you dont have money in your balance, you can choose to pay directly from your bank account or your debit or credit card. To make sure youre using the payment method you want, click More Funding Options or Change before you send your payment. Instant Transfer:

An instant transfer is an immediate transfer from your bank account. You must have linked a credit card and bank account to your PayPal account.

eCheck:

An eCheck takes 3-4 business days to complete. The date we expect the payment to clear can be found on the Transaction Details page.

What are the payment types when I send money?

The payment types for a purchase are:

Services: to pay for things like your internet service. Goods: to pay for non-eBay goods. eBay Items: to pay for your eBay purchases.

The payment types for a personal payment are:

Gift: to send money as a gift, like for a birthday. Payment Owed: to pay your friend back for your share of a dinner bill, or other item that your friend paid for you. Living Expense: to pay for things like rent or utilities. Other: for other reasons that are not a purchase of good or services.

Note: Unfortunately, weve had to stop allowing personal payments to be sent to and from India. If youre sending money for a personal payment to India, we ask that you find another way to pay until were able to restore personal payments to this area.

How will my payments be funded?

When you make a payment, the money is first taken from your PayPal balance. If your balance cannot cover the full amount of your payment, the rest of the money can come from PayPal Credit products, your linked bank account or your personal credit card. If you use an eCheck, the entire amount of the payment will be taken from your bank account while your PayPal account balance will remain for future use. If you do not have a PayPal account, you must enter a valid credit card to complete your payment. Note: You may have the option to pay for your entire purchase using eCheck or PayPal Credit.

When I make an eCheck payment, when will the money be debited from my bank account?
PayPal sends the request to your bank as soon as you make the payment. Just like a regular check, it can take up to 5 business days for the payment to clear and the money to be deposited into the recipients PayPal account. A bank may decline an eCheck payment. For example, a payment will be denied if you dont have enough money in your bank account. If this happens, the payment can be delayed up to 7 more business days. Youll always find the date we expect the payment to clear on the Transaction Details page. To find out your eChecks expected clearing date: 1. Log in to your PayPal account. 2. Click History at the top of the page. 3. Click the Details of the transaction. The expected clearing date is next to the status of the transaction.

How do I change my backup payment method?

You can change your backup payment method before you send a payment using Instant Transfer. 1. 2. 3. 4. 5. 6. 7. Log in to your PayPal account. Click Send Money. Enter the required information and click Continue. Click Change under Payment Method. Select the backup payment method you would like to use. Click Continue. Review the information and click Send Money to complete your transaction.

How do I send an Instant Transfer using my U.S. bank account?

When you send an Instant Transfer, money is securely transferred from your bank account to another PayPal members PayPal account. The recipient never sees your bank information. They dont even know which bank you use. Here's how to send an Instant Transfer payment: 1. 2. 3. 4. 5. 6. 7. Log in to your PayPal account. Click Send Money. Enter who you want to pay and how much, then click Continue. Click Change. Select Instant Transfer. Click Continue. Review your information, then click Send Money.

I received a money request or invoice but deleted the email. What should I do?
You can pay a money request or invoice even if you don't have the email: 1. 2. 3. 4. Log in to your PayPal account. Click History at the top of the page. Click Pay under Order status/Actions next to the transaction. Review the information and click Continue or Pay to complete your transaction.

If you don't have a PayPal account, you can sign up for one to complete the payment.

Can I request money from someone who does not have a PayPal Account?
Yes. Recipients receive an email notification prompting them to sign up for an account. This feature is available for the following Website Payments buttons: Buy Now, Donations, and Add to Cart buttons. Recipients can pay you with their credit cards through PayPal if you are a merchant and have the PayPal Account Optional feature turned on.

How do I request payments or send an invoice?

Here's how you can ask someone to send you money:

1. 2. 3. 4.

Log in to your PayPal account. Click Request Money. Click Create a money request or Create an invoice. Enter the required information.

5. Click Continue. 6. Review the information and click Request Money or Send invoice. You can request money from more than one person at a time. Just enter their email addresses, separated by commas.

Can I cancel a Money Request or Invoice that I've already sent to someone?
Yes. You can cancel a money request or invoice at any time:

1. Log in to your PayPal account. 2. Click History at the top of the page. 3. Click Cancel under Order status/Actions next to the transaction you want to cancel. 4. Click Yes.

I received a payment notification email, but the payment does not appear in my PayPal account. Why?
If you have received an email notification stating that a payment was sent to your PayPal account but the transaction has not posted to your History page, the sender may have entered an incorrect email address. It is recommended that you contact the sender and confirm that the payment has been sent to the correct email address.

Why cant I receive a personal payment from India?

Unfortunately, weve had to stop allowing personal payments to be sent to and from India. Any personal payments that have been recently sent to you from India have been automatically reversed, and the money returned to the sender. If youre receiving money for a personal payment, such as gift, then we have requested that the sender find another way to pay you until were able to restore personal payments to and from India. If this was a payment for a purchase of goods or services, and not a personal payment, then you may contact the buyer and have him or her resend the payment as follows: 1. 2. 3. 4. Have the buyer log in to their PayPal account. Click Send Money. Enter their email address in the To field. Enter the amount of money they wish to send you, and choose the currency from the list. 5. Select Goods, Services, or eBay Items, depending on your purchase.

6. Click Continue. We are trying to resolve this issue as quickly as possible and were sorry for any inconvenience.

Why is my payment from a sale on eBay not available immediately?

When you get paid for items sold on eBay.com and eBay.ca, your payment might not be available immediately. Your money is usually available in 21 days or sooner to ensure your buyers receive their items. This typically affects sellers with a limited selling history and sellers with a Below Standard seller rating on eBay. In some cases, sellers may be affected if theres a high level of risk associated with their account or transactions. Learn more about what you can do to access eBay payments faster.

How long do I have to accept or deny a credit or debit card payment?

The credit or debit card payment is in accept or deny status for 30 days. For further information on accepting credit or debit card payments on Personal accounts, click Legal Agreements or User Agreement at the bottom of any PayPal page.

How do I get paid?

To get paid, someone must send a payment to your email address. We'll send you an email at that email address to let you know you have a payment. To receive your payment, you must open a PayPal account and confirm that email address. As soon as you receive the payment, it goes into your PayPal balance. When you have a PayPal balance, you can either use those funds to send a payment or you can withdraw the funds. Log in to your account and click Withdraw to view your withdraw options.

How do I receive money?

Payments are sent to you using your email address. If a payment has already been sent to you, you should have received an email notification letting you know that you've received a payment. If you have a PayPal account, log in to your account and click History at the top of the page to view the details of your payment. If you don't have a PayPal account, you can quickly sign up for one and confirm your email address to receive the payment. As soon as you receive the payment, it goes into your PayPal balance. When you have a PayPal balance, you can either use those funds to send a payment or you can

withdraw the funds. Log in to your account and click Withdraw to view your withdraw options.

How do I know if my money request or invoice has been paid?

After your money request or invoice has been paid:

We email you to let you know it has been paid. The Status of the invoice or money request changes to Paid in your transaction history. The money appears in your balance.

How do I request payments or send an invoice?

Here's how you can ask someone to send you money:

1. 2. 3. 4. 5. 6.

Log in to your PayPal account. Click Request Money. Click Create a money request or Create an invoice. Enter the required information. Click Continue. Review the information and click Request Money or Send invoice.

You can request money from more than one person at a time. Just enter their email addresses, separated by commas.

How do I get paid?

To get paid, someone must send a payment to your email address. We'll send you an email at that email address to let you know you have a payment. To receive your payment, you must open a PayPal account and confirm that email address. As soon as you receive the payment, it goes into your PayPal balance. When you have a PayPal balance, you can either use those funds to send a payment or you can withdraw the funds. Log in to your account and click Withdraw to view your withdraw options.

How do I receive money?

Payments are sent to you using your email address. If a payment has already been sent to you, you should have received an email notification letting you know that you've received a payment.

If you have a PayPal account, log in to your account and click History at the top of the page to view the details of your payment. If you don't have a PayPal account, you can quickly sign up for one and confirm your email address to receive the payment. As soon as you receive the payment, it goes into your PayPal balance. When you have a PayPal balance, you can either use those funds to send a payment or you can withdraw the funds. Log in to your account and click Withdraw to view your withdraw options.