No more waiting for checks in the mail or trips to the bank.
Use the funds in your PayPal balance to shop and send money. 3
With Direct Deposit, your money goes right to your PayPal balance. Use it to shop, send money, transfer funds to PayPal Savings, 4 or get a head start on your bills.
Find your employer, government agency, or payroll provider.
Follow the steps to confirm your identity with your employer.
Deposit your entire check or enter the amount of money you want to go to your PayPal balance.
Once processed, your Direct Deposit will begin within two pay cycles. We’ll notify you each time your money comes in.
With the PayPal Debit Card, you can use the money in your PayPal balance to shop everywhere Mastercard® is accepted and earn cash back along the way. 5,6
Direct Deposit enables you to receive a portion or all of your paycheck or government payment automatically into your PayPal balance.
If you enroll in Direct Deposit with PayPal, money lands directly in your PayPal Balance account. This avoids the need for physical deposits either by standing in line at a bank or by depositing a physical check. Some of the primary benefits are that money moves seamlessly from Payer to Payee, there are no limits, no fees, and it’s free to set up with PayPal, and it’s economical for employers and eco-friendly by avoiding printing physical checks.
You can easily access your money in your PayPal balance or with the PayPal Debit Card, use the money in your PayPal balance to send money, or shop everywhere Mastercard® is accepted and earn cash back.
Money transferred via Direct Deposit is generally available on the day that the funds are applied to your account. It can be 2 days in advance or the same day, depending on the type of funds coming in. We don’t receive money via Direct Deposit instantly; there’s some delay between the payment being initiated by the Payer and it arriving to PayPal. Learn more
Easily and securely spend, send, and manage your transactions—all in one place. Download the app on your phone or sign up for free online.
Scan the code or enter your number to get the app.
Phone numberBy clicking Send Link you agree to receive a text message with a link to the PayPal app. Message and data rates may apply.
PayPal is located at 2211 N 1st St. San Jose, CA 95131
Direct Deposit is subject to the payor's support of this feature. Funds deposited via Direct Deposit will generally be available on the day we receive the funds transfer. You may review activity on your periodic statements or transaction history on www.PayPal.com, or call Customer Service at 1-888-221-1161 to verify receipt. We reserve the right to accept, reject, or limit transfers via Direct Deposit in our sole discretion. If you wish to cancel Direct Deposits, you must contact your employer. PayPal does not charge any fee to set up or maintain Direct Deposit. Refer to your PayPal User Agreement for complete Direct Deposit details. Once it's set up, Direct Deposit usually takes two (2) pay cycles to begin, but can vary across employers. Please check with your employer for specific timing.
Early access can allow a user to access their funds up to 2 days early. Early access to funds depends on when we get payment instructions from the payor (your employer or government agency). When we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. Availability and timing can vary based on the payor and when we get payment instructions. Once the funds are received, they will be deposited directly into your PayPal balance.
A PayPal Balance account is required to get the card. An account with PayPal is required for sending and receiving money.PayPal is a financial technology company, not a bank. Banking services provided by Synchrony Bank, Member FDIC.
The PayPal Debit Mastercard ® is issued by The Bancorp Bank, N.A., pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. This is a debit card linked to your PayPal Balance account and is not a credit card. Card may be used everywhere Mastercard is accepted. The Bancorp Bank, N.A., is issuer of the Card only and not responsible for the associated accounts or other products, services or offers from PayPal.
If you have opened a PayPal Debit Card Mastercard ® account, enrolled in Direct Deposit, or bought or received cryptocurrency with your personal PayPal Balance account, we will place your U.S. dollar PayPal Balance funds in one or more Program Banks, where they will, subject to certain conditions, be eligible for pass-through FDIC insurance, up to applicable limits. FDIC insurance protects you against the failure of a Program Bank, not the failure of PayPal. PayPal is not a bank, does not take deposits and is not FDIC insured. Any other balance funds and all cryptocurrencies are not held in FDIC-insured bank deposits. Cryptocurrencies may lose value. See PayPal Balance Terms and Conditions.
Deals may change and are subject to availability. PayPal and merchant terms, conditions, and exclusions apply. PayPal Balance account is required to get the card.
