Can Someone Pay Me with a Credit Card on PayPal?

By Robert Courtneidge 8 Min Read

“Can someone pay me with a credit card on PayPal?” you might ask. PayPal lets someone pay you with a bunch of different methods, like a credit card or other options such as a PayPal balance, bank account, PayPal Credit, debit cards, or even a rewards balance. But there are other things you need to know too, including the fees and payment protection of the sender.

Can someone pay me with a credit card on PayPal?

Can someone pay me with a credit card on PayPal

Yes, they can. They can log into their PayPal account and pick any payment method they want as their go-to option. This can be done either on or the PayPal app. Of course, life happens, and sometimes the payment method they picked can’t be used – like if their credit card has expired.¹

Someone’s PayPal settings can be changed to have different preferred payment methods for online transactions, in-store transactions, and any automatic payment agreements they’ve set up. Once they’ve picked a favorite payment method, it’ll show up as the main one.

If they haven’t chosen a preferred payment method, or it can’t be used, PayPal will display all the payment methods they can use. This includes the method they use the most or used most recently. If they click on the “Manage” link, they can see all of their available payment methods or add a new one. They can also choose a payment method while they’re in the middle of a transaction.

Someone can still be able to pay you with credit card without a PayPal account, including PayPal invoices, PayPal buttons, shopping carts, and money requests. However, it may not work with links.

You could still use this method if you’re looking to send money from PayPal to a credit card.

Steps to get paid with a credit card on PayPal

Having known that someone can definitely shoot some cash your way through PayPal using a credit card. Here’s the step-by-step process:

For PayPal website:

  1. First off, sign in to PayPal.
  2. Go to Send & Request.
  3. Punch in the recipient’s info (name, PayPal username, email, or mobile number). Click Next.
  4. Key in the amount, pick the currency, and add a note if they’re feeling extra.
  5. Hit Continue.
  6. Decide if you’re “Paying for an item or service” or “Sending to a friend”.
  7. Decide how you’re gonna pay and click Next.
  8. Do a quick check of the info and finally hit “Send Payment Now.”

If the person is using PayPal mobile, sending money via the PayPal app is also simple:

  1. Open the app and log in.
  2. Click Payments.
  3. Click Pay.
  4. Fill in the recipient’s deets (name, PayPal username, email, or mobile number).
  5. ClickNext.
  6. Enter the PayPal funds to be sent, the currency type, and add a heartfelt note if they want.
  7. Hit Next.
  8. Choose between “Friends and Family” or “Goods and Services”.
  9. Then Next.
  10. Review everything one more time and finally hit Send.

Now, before getting too excited, keep in mind there might be a fee involved.²

If someone is sending money using a credit card, they’ll be charged a fee of 2.90% plus a fixed amount (PayPal changes their fees, so keep an eye on that). For international personal transactions, the fee is a steep 5.00% with a minimum charge of 0.99 USD and a maximum of 4.99 USD.³

Note that for this method, there won’t be any buyer protection if the person is buying something from you, and they could end up in a pickle if things go south.

PayPal credit card payment protection

Since someone can pay me with a credit card on PayPal, what’s their payment protection like?

If they have a dispute or claim with PayPal, they can either take it up with PayPal or contact their credit card company to file a chargeback. But, no double-dipping! They can’t do both at the same time or try to get a double recovery. If they have an open dispute with PayPal and file a chargeback with their credit card company, PayPal will shut down the dispute and they’ll have to rely solely on their chargeback rights.

If they pursue a claim with PayPal and don’t get a full recovery, they can then file a chargeback.

Credit card companies have to stick to certain rules. For example, if a customer says there’s a “billing error” because an item wasn’t received or was rejected at delivery, the card issuer has to look into it. They have to sort it out and correct any written claims made by the customer within 60 days of the credit card statement being received.

If a customer has a dispute with a merchant, the card issuer has to investigate and resolve it. The catch is, the customer can’t have paid for the charge, has to have tried to settle the dispute with the merchant in good faith, live in the same state as or within 100 miles of the merchant, and has paid more than $50 for the item.

Receiving the funds sent to you

When it comes to receiving funds with PayPal sent to you via credit card, it’s as simple as having someone pay you using your email address or mobile number. Once the payment rolls in, PayPal will send you a message notifying you that you’ve got some cash waiting.⁴

To get your hands on that moolah, head over to your PayPal account home page. From there, you’ve got a couple of options:

  • Transfer it straight to your bank account, or
  • Keep it in your PayPal balance for future use—send money to friends, family, or indulge in some online retail.

But here’s the catch: to accept the funds, you’ll need to open a PayPal account and verify your email address. So, if you don’t already have one, sign up ASAP.

Meanwhile, you can even connect your credit card and spend the funds using your PayPal.

To make the whole process even more secure, PayPal offers senders the option to share a special link directly with you. This link allows you to access and redeem the money easily. So rest easy knowing that PayPal’s got your back on this one. That’s it regarding the question: can someone pay me with a credit card on PayPal? Yes, they can.

Read also: funding a friend via your PayPal Credit is possible 


  1. About Payment Methods. PayPal
  2. Send money online. PayPal
  3. PayPal Consumer Fees. PayPal
  4. How do I receive money through PayPal? PayPal
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Independant Industry Expert in Payments and the Digital Future of Money, Co-Editor of The PAYTECH Book, top Payments Lawyer and voted No. 1 in Payments Power 10 at #PayExpo What do I do? I solve the problem of moving payments firms into the new era of money. Traditional financial services businesses risk getting left behind as Generation Z leapfrogs the banks, opting instead for big techs, challengers, and social commerce propositions. Ignoring blockchain technology and the widening knowledge gap between the financial services and digital sectors puts businesses at risk of falling behind their competitors, compromising their competitive edge, and ultimately becoming redundant.
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