Send PayPal Payment Without Account | Guest Checkout 2023

By Robert Courtneidge 8 Min Read

Can you send PayPal payment without account? Absolutely. A person without a PayPal account can send funds. However, the recipient must have a PayPal account.

The recipient will create a payment link. From this link, they will have two choices: either pay via PayPal or with a card. If you don’t have a PayPal account, simply opt for the card payment.

A business simply sends you a money request directly to your email from their PayPal. After receiving the email request, you can pay the specified amount using a credit or debit card without the need to create a PayPal account. Essentially, this lets you check out as a guest on PayPal and easily send the payment without an account.

[box title=”Key Takeaways” style=”soft” box_color=”#333333″ title_color=”#FFFFFF” radius=”3″]
  • Recipients with PayPal accounts can create payment links, allowing non-account holders to pay using a credit or debit card.
  • Businesses can send you a payment request via email, and as a guest, you can pay with a card without creating a PayPal account.
  • Guest checkouts work for goods and services, but for gifts or loans, you’ll need to create a PayPal account.
  • Be aware of potential international fees for currency conversion.

Can I Send a PayPal Payment to Someone Without an Account?

You can send a PayPal payment to someone without an account yourself.

The person or business receiving the money may be responsible for paying any PayPal transaction fees.

Your recipient has to request funds from you who does not have a PayPal account. Here’s how it works:

  1. The PayPal account holder will send a request for funds.
  2. The person without PayPal account who will make the payment will get an email asking them to send the funds.
  3. Even if they don’t have a PayPal account, they can still send you money. They just need to checkout as a guest.

Unfortunately, PayPal’s guest checkouts are only for payments related to goods and services. If you are sending money as a gift or a loan or family and friends, you will have to create a PayPal account.

How to Send PayPal Payment Without Account

send PayPal payment without account

In this section, I will show you how to send PayPal payment without account. Remember, this only works during checkout for goods and services. Follow these general steps irrespective of the potential business recipient.

First, go to the merchant’s website and find the PayPal link. If there’s a screen asking for your payment method, pick “PayPal” and then press either “Continue” or “Submit”. This will guide you to the PayPal payment page.

In some cases, the recipient will have to send you an invoice or money request. So, you will receive an email notification with either a detailed invoice or a simple note with a description of what the money is meant for.

2. Select Don’t Have PayPal

On this page, you might see a section titled “Don’t have a PayPal account?”. Within this section, there should be a “continue checkout” link.

If you’re not signed up with PayPal, you’ll also see an option to “Pay with a Bank Account or Credit Card”. This is the option you need to send PayPal payment without account.

3. Enter Your Credit Card Details

Now, it’s time to enter your details to send PayPal payment without account. Type in your personal data, the billing address, and your credit or debit card specifics.

Once you’ve filled everything out, tap the “Review Payment” button.

4. Review the Payment Yourself

Always double-check before paying without a PayPal account. Look over the details to confirm they’re all right. If you find something amiss, use the “Change” button at the section’s end. If all’s well, tap the “Pay Now” button to complete the transaction.

In some cases, payments you may through PayPal using a credit or debit card can be more expensive compared to payments you make using a PayPal account with a balance or a linked bank account.

Potential International Fees

Sending money using PayPal is possible even without an account. PayPal Goods and Services is ideal for online shopping or receiving payments as a freelancer.

However, various PayPal services might have different fees. Before deciding to use PayPal for transactions, you need to familiarize yourself with the fees.

This can be helpful, especially if you need to send PayPal payment without account internationally to a business. Also, how you choose to fund the payment might affect how much you’ll be charged for sending money. L

If you pay using your balance or a linked bank account, you’ll be charged a fee of 5%. The minimum fee is $0.99, and the maximum is $4.99. However, when you use a credit or debit card, the fee is the same: 5%. The minimum and maximum charges remain $0.99 and $4.99 respectively.

But if you have international currency to deal with, then you will be charged a currency conversion fee. This fee applies when your transfer involves converting one currency to another. The charge is between 3% to 4% of the transfer amount. This fee gets deducted from the amount you send with or without a PayPal account. I recommend you check out the PayPal consumer fees.

If you’re making international payments for goods or services, the fees can be even higher.

Read also: You can get a cash advance from PayPal Credit


All in all, you can send PayPal payment without account. In summary, to pay with PayPal without having your own account, the person or business you’re paying should send you an invoice or a request for money. You’ll then get an email. This email might have a detailed bill, especially if it’s from a business, or it could just have a short note about why they need the money.

The key thing in the email is the ‘Pay now’ button. Just click it to pay without setting up your own PayPal account.

Read alsoPayPal Confirm Bank Account No Deposits Problem Solved

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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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