1. What is PayPal?

PayPal is a safe, easy and fast way to pay online without sharing your credit/debit card and bank account details or other financial information.

2. Why is PayPal secure?

PayPal uses SSL technology to keep your information safe. In addition, when you send a payment using PayPal, the recipient won't receive your sensitive financial information such as your credit card or bank account number. This way, you don't have to worry about sending money to people you don't know. PayPal also has industry-leading anti-fraud features which help keep your transactions safe.

3. I don't have a credit card, can I still use PayPal?

Yes, you can choose to fund your PayPal account in any of the following ways:

• Personal bank account
• Debit card (Visa or MasterCard)
• Credit card (Visa or MasterCard)

4. How do I sign up for a PayPal account?

Signing up for a PayPal account is easy and takes just a few minutes to complete. Once you're done, you can send or receive payments in minutes! Sign up now. Learn more about signing up for a Premier account.

5. What is the difference between a Personal, Premier or Business account?

Although there is no limit on the amount of PayPal balance, bank transfers and eCheque payments you can accept with Personal accounts, they are limited to receiving six credit card transactions per year. Personal accounts aren’t recommended for regular sellers.

Once a Personal account has reached the limit, the only way card payments will be accepted is if the account is upgraded, at no extra cost, to a Premier or Business account. Upgrade your account now.

Premier and Business accounts are perfectly suited to sellers who regularly accept debit and credit card payments. Premier and Business accounts could enable you to pay lower fees and provide access to a wide range of services and tools at no extra cost.

Account benefits	Personal	Premier	Business
Send Money
24-hour fraud surveillance
Customer Service access
eBay Tools	Limited
Merchant Services	Limited
Accept credit or debit cards	Limited to six transactions in a 12-month period	Unlimited	Unlimited
Multi-user access	-	-
Account upgrade fees	-	-	-
Access to reduced merchant fees for high volume sellers
Fees (domestic)	3.4% + $0.30 AUD for domestic transactions*	1.1% to 2.4% + $0.30 AUD for domestic transactions	1.1% to 2.4% + $0.30 AUD for domestic transactions

*This fee only applies to credit and debit card payments. There is no fee for domestic PayPal balance, bank transfer and eCheque payments.

6. How can I add a funding source (bank account/credit card)?

To add a bank account, log into your PayPal account and follow these steps:

• Click the My Account tab.
• Click Profile at the top of the page.
• Click the Bank Accounts link in the Financial Information column.
• Follow the steps to add your bank account.

Learn more about adding a bank account.

To add a credit card or debit card, log into your PayPal account and follow these steps

• Click the My Account tab.
• Click Profile at the top of the page.
• Click the Credit Cards link in the Financial Information column.
• Click Add.
• Enter your credit card information.
• Click Save.
• Follow any additional directions on the page.

Learn more about adding a credit or debit card.

7. Why, and how, should I verify my PayPal account?

It is recommended to get your account verified to lift restrictions on how much you can send and increase safety in our community.

To verify your account you will need to follow these steps:

• Log in to your PayPal account. Click on Set Up Bank Funding on the Account Overview page. Enter your bank details and review the bank funding agreement.
• When your bank details have been received, two small deposits will be put into your bank account. Wait up to 7 working days for this to happen.
• Log in to your PayPal account. Click on Complete Bank Set up on the Account Overview page in the To Do List section and enter the amounts exactly as they appear on your bank statement.

Your account status will then change to Verified.

8. How do I confirm my email address?

After you register, you'll be sent an email containing a link that will take you back to PayPal where you'll be asked to enter your password. Your email address will then be confirmed and you can start using your PayPal account.

9. What should I do if I forget my PayPal password

If you forgot you password you’ll need to reset it to log in to your account:

• Go to the PayPal homepage and click 'password' underneath the Log In button.
• Enter the email address you used to register, then enter the characters in the security text box and click Continue.
• Confirm your account ownership and click Continue.
• Confirm additional account information and click Continue.
• Create a new password and click Submit.

10. How can I use the money in my PayPal balance?

PayPal is accepted by thousands of businesses worldwide and is the preferred payment method on eBay. But don’t forget, you can use PayPal for more than just shopping. You can send money to anyone with a PayPal account or an email address.

11. How do I pay with PayPal on eBay.com.au?

Paying for eBay items with PayPal is simple.

• When you purchase an item and click on the Pay Now button you’ll go to the Checkout page.
• Select PayPal as your payment method and type in your PayPal password to log in and pay for your item straight away.
• You can pay using your PayPal account, funded by your credit card, debit card or bank account. Make sure you have added a funding source before you pay.
• If you have enough balance in your PayPal account, this will be used to make the payment - your PayPal balance is your default payment method.

12. What is buyer protection and how do I make a claim?

PayPal Buyer Protection is provided by PayPal to protect the purchases you make on eBay.com.au. If you pay with PayPal you can get protection of up to AU$20,000 if you have a problem with your transaction. If you wish to make a claim please log in to your PayPal account and go to the Resolution Centre.

13. How do I sell with PayPal on eBay.com.au?

PayPal will be automatically flagged as a payment option when listing your items in most categories on eBay.com.au. Just follow these simple steps:

• The box next to PayPal in the Payments and Postage section of the Sell Your Item form will be ticked.
• Add the email address you have or you intend to register with your PayPal account.
• If you don’t already have one you will need to open a PayPal account. You can still list your items for sale without a PayPal account but you will need to open one to collect your funds once your items have been paid for.

PayPal will appear automatically as a payment option in your listings. The PayPal logo will also appear automatically next to your items in the search results, making it easy for buyers to see which items offer PayPal.

When your buyer sends a PayPal payment for an eBay item, you’ll receive an email notifying you of the payment received. Log in to your PayPal account to review the payment details, including the details of the sender, and the amount. You can also review the amount charged in fees for this transaction.

As a seller with a Premier or Business account, you will be charged a small fee for receiving payments into your PayPal account. These fees may vary. Learn more about PayPal fees.

14. Are there fees for using PayPal?

When you accept payments with a Premier or Business account there are fees of 1.1% to 2.4% + AU$0.30 per domestic transaction with no hidden costs like monthly or set-up fees, making PayPal an affordable and cost-effective way to manage your payments.
A fee of just AU$1 applies for withdrawals from your PayPal account of less than AU$150.

While buying items in Australia is FREE, if you’re purchasing from overseas there will be a foreign exchange fee. Find out more about PayPal fees.

 

15. How do I know when I’ve received a payment?

An email will be sent from PayPal to let you know you have received a payment. You can view received payments in the Account Overview or History areas when logged in to your PayPal account.

16. What happens to money paid into my PayPal account if it’s not linked to my eBay account?

You should be prompted to enter an email address when selecting your preferred payment method in the sell your item form. All you need to do is simply enter an email address and you’ll be reminded to sign up after you have sold your item enabling you to access your funds. Learn more about receiving funds without a PayPal account.

17. I received an email asking for information. How do I know if it's from PayPal?

Beware of emails asking you to update your personal information within the email or by clicking on a link in the email which takes you to a website. eBay, PayPal, your bank and most other reputable organisations will never ask you for your account or credit card details, username or password in an email. If you are in any doubt, open a new browser and type the web address rather than clicking on a link to ensure you are on the genuine site. Never click on links in suspicious emails.

If you suspect fraud, forward the email to spoof@paypal.com.au.

A message from our lawyers

The PayPal service is provided by PayPal Australia Pty Limited (ABN 93 111 195 389) which holds an Australian Financial Services Licence, number 304962. eBay International (AG) Inc and eBay CS Vancouver Inc are authorised representatives ( numbers 308318 and 326597) of PayPal for the purpose of providing information about PayPal. eBay and PayPal are not acting as your agents, are not providing personal financial advice to you and do not take your individual circumstances into account in providing information about PayPal. You should consider the Product Disclosure Statement and Financial Services Guide before deciding to sign-up for or use the PayPal online payment service at https://www.PayPal.com.au

PayPal Buyer Protection and PayPal Seller Protection are also subject to the terms and conditions in PayPal's User Agreement, incorporating the Buyer Protection policy and Seller Protection policy which include details on eligibility criteria and the discretionary nature of the Policies.