How to turn your paypal balance into a debit card you can spend anywhere

PayPal is a useful tool for making payments. Originally designed for online payments and purchases, PayPal also allows you to shop at brick-and-mortar retailers using your PayPal account instead of traditional payment methods. You can fund payments from several sources, including your debit card.

If you prefer shopping with a debit card, it might even be wiser to run payments through PayPal. Doing so protects your card information by creating a layer between your checking account and the merchants you shop with online, instead of swiping your card or punching in number, which creates security risks.

In a world of hackers and constant data breaches, it’s nice to insulate your checking account from trouble. That protection gives you more confidence when buying from online vendors that you don’t know anything about, and even household-name retailers get hacked periodically.

This article is about using a debit card to fund purchases you make through PayPal. If you want to get a new debit card issued by PayPal (which might let you spend from your PayPal balance), you will need to learn about PayPal debit and credit card options.

Debit Cards Allowed, Not Required

If you’re just planning to use your debit card as your “funding method” at PayPal, you might be adding unnecessary steps. PayPal wants to link to your bank account anyway—and that’s the same account that your debit card pulls from.   As a result, you don’t need to add your debit card. In fact, some PayPal transactions are cheaper if you use your bank account for funding (as opposed to using your debit card).  

How to Use Your Debit Card

To use your debit card on PayPal, you’ll need to add it to your profile. To do so, log into your account and go to your “wallet.” Next, find the section to “link a debit or credit card.”   You can also add cards while a payment is in progress by selecting “add a debit or credit card” while you choose how to pay.  

Select the type of card you’re using and provide the card information. Entering debit card information is the same as entering credit card information—the format for card numbers and expiration dates is the same.

Types of Cards

You’ll get the most functionality if you use a real debit card issued by a bank or credit union. Those cards feature a billing address that matches your home or mailing address, and they have a three- or four-digit security code on the back.

Prepaid Cards

For one-time purchases, some Visa, MasterCard, Discover, or American Express prepaid gift cards will work. Other prepaid debit cards that you use as a substitute for checking accounts often do not work.

Limits on Linking

You can only link a debit card to one PayPal account.   If you and your partner use cards with the same card number, which is common for credit cards, but less common for debit cards, only one of you can use that card with your PayPal account.

Funding Source

When you pay for goods or services, verify that you’re using the funding method that you want. To do so, look carefully at “how to pay” or the final review screen. You may have several options, including paying with your debit card, paying directly from a bank account, using a credit card, or spending from your PayPal balance.  

Moving Money

Since your debit card pulls funds from your checking account, you’ll need to have money available in your account to successfully make a purchase. If you’re low on funds, remember that any purchase will instantly reduce your checking account balance, increasing the odds that you’ll bounce checks or be unable to make other payments from that account.

Transfers to Your Bank

You can move your PayPal balance to your bank account for free, or to your debit card for a fee.   Your debit card draws money from your checking account, so funds in that account are available for spending with your debit card. To move money to your bank account or debit card, look for several opportunities to “Transfer Money" throughout PayPal websites and apps.   Select the option to transfer funds to your bank account or debit card.

Refunds

If you fund a payment with your debit card and get a refund (because you return an item, for example), the refund should be applied to your debit card. If that doesn’t happen, the refund will go into your PayPal balance.   From there, you can either spend that money elsewhere using PayPal or transfer the funds to your bank account manually.

Fees Are Optional

If you like debit cards because they’re inexpensive, make sure you don’t pay unnecessary fees to PayPal. For purchases from businesses—including individual sellers on eBay—PayPal doesn’t charge fees to the buyer. If you’re the customer, it doesn’t matter how you pay, but the merchant has to pay fees, and those charges might lead to higher prices.

If you make personal payments (repaying friends for pizza night, for example), PayPal charges you a fee for using your debit or credit card. But funding the payment with your bank account is free. Again, with a debit card, the money comes from your checking account anyway, so you might as well fund personal payments directly from your bank account.

Is It Safe to Use a Card?

PayPal has a few safety and security measures in place for those who use debit cards.

Mistakes and Fraud

Your debit card is linked directly to your checking account. Any charges to the card pull money out of checking more or less immediately. In cases of fraud or errors in your account, you might be protected, but it could be hard to pay bills until the funds are returned to your account.   A credit card would be safer to use than a debit card—assuming you don’t rack up debt—because credit cards do not pull funds from checking.

Purchases and Privacy

Paying with your debit card through PayPal is safer than just using your debit card. Merchants (as well as hackers, thieves, and employees) only see your email address—your PayPal username—and some personal information when you use PayPal.   If you use a card directly, they would have access to your card number, security codes, and your mailing address. It's hard for thieves to use your PayPal account fraudulently without your password.

Buyer Protection

Credit cards have robust buyer protection under federal law.   Most debit cards offer similar protection. However, PayPal offers buyer protection and other features that might go above and beyond what your debit card offers.  

Frequently Asked Questions (FAQs)

Can you use a prepaid debit card for PayPal?

Yes, you can pay for purchases using a Visa, Mastercard, American Express, or Discover gift card at checkout like you would any debit card. Add them into your virtual wallet using the same process as you would your debit card.

Why can't I add my debit card to my PayPal account?

Check to make sure that you've entered the card number, card security code, and the billing address correctly. If it's still not working, make sure that the card isn't linked to another account or try calling your card company to see if they rejected the authorization PayPal sent. If all else fails, call PayPal.

How to turn your paypal balance into a debit card you can spend anywhere

Although you’re limited in what you can do on PayPal without a bank or credit card on file, there’s still plenty the e-commerce website has to offer.

There may come a time when you do want to link a card, and it’s not a hard process.

How to use PayPal without a card

In the meantime, here are six things you can do on PayPal — no card necessary.

Request and receive money from others

One of the easiest — and only — ways to get a balance accumulating in lieu of having a card on file, is requesting and receiving money from other PayPal users, though this will require a linked bank account.

Send money to others

Similarly, you can send any amount not exceeding your PayPal balance to others as well.

Create an invoice

Anyone who has ever had to create an invoice from scratch knows what a monumental pain it is to do.

This is one service PayPal can take care of for you, regardless of whether or not you’ve given them your card information.

Create a Money Pool

You only need a PayPal Personal account to partake in the Money Pool feature. You can even transfer the money you receive to yourself personally with a check — more on that later.

Donate your PayPal balance to charity

But perhaps you wanted to use the Money Pool feature to raise funds for your favorite charity.

Fortunately, you won’t need a card on file to transfer that balance to the PayPal Giving Fund, a 501(c)(3) public charity.

PayPal will then deliver 100% of your donation to a charity of your choice — although the platform notes that in rare cases the donation will go to a similar charity instead.

Have your PayPal balance sent to you as a check (with a $1.50 fee)

If you’re hesitant to keep any card or bank information online, but have a PayPal balance you want to spend somewhere other than the platform, you can have the balance mailed to you as a check, although a $1.50 fee will apply.

Charlene Rhinehart is an expert in accounting, banking, investing, real estate, and personal finance. She is a CPA, CFE, Chair of the Illinois CPA Society Individual Tax Committee, and was recognized as one of Practice Ignition's Top 50 women in accounting. She is the founder of Wealth Women Daily and an author.

The Balance / Lara Antal

PayPal has become well known as one of the first companies that provided consumers the ability to safely send and receive digital and mobile payments. The company also now offers credit, debit, and prepaid cards that you can use to access your balance for online payments and in-person purchases.

When it comes to credit cards, PayPal offers the Extras Mastercard and the Cashback Mastercard. As for not-credit options, the company offers the Prepaid Mastercard and the Cash Mastercard debit card.

PayPal also offers PayPal Credit, which is a fully digital credit line that's not linked to an actual card.  

PayPal Extras Mastercard

This card allows you to borrow from PayPal via a credit account with Synchrony Bank. To get the Extras card, you’ll need to qualify, just like you would with any loan or credit card. PayPal will check your credit and ask about income and employment.

The main benefit of the Extras card is the ability to earn points as you spend. Certain purchases earn one to three points per dollar you spend, and you can redeem these points for gift cards, travel vouchers, or cash back to your PayPal account.

The card doesn't have an annual fee, but as with most credit cards, you’ll pay interest if you don’t pay the card off every month, and other fees may apply as well.  

It's best to pay off your credit card balance in full every month.

PayPal Cashback Mastercard

This card is similar to the PayPal Extras Mastercard in that you must apply and be approved to open a credit account with Synchrony Bank. In addition, you must also have an account with PayPal to apply for the Cashback card.

The benefit of this card is that you earn 2% cash back with every purchase you make. You must redeem those cash rewards into your PayPal account. There are no redemption thresholds, purchase restrictions, or annual fees to worry about.  

You can sign up for either the Cashback or Extras card—not both. PayPal will not allow you to have both cards.  

PayPal Prepaid Mastercard

Simply put, this is a prepaid debit card. And like all prepaid debit cards, you’ll load funds onto the card before using it and then spend the money you’ve loaded. For this reason, prepaid cards are useful for managing your spending because you can only spend what you’ve loaded, and it’s impossible to rack up debt and overdraft charges.

You can use the PayPal Prepaid card's mobile app to manage your account. The card does not pull funds directly from your PayPal account balance, but you can transfer funds from that account to your prepaid card account. You can also add money from a Netspend Reload Network location, but you may be charged a fee for that.

If you choose to opt in to the cards Payback Rewards program, you may receive special offers, and you can also receive $20 credits through the card's Refer-A-Friend program.

Almost anybody can get a prepaid card, even if you’ve never built up a credit history or you have bad credit. However, PayPal will still need to verify your identity and will ask for information such as your name, address, date of birth, and social security number.  

If your PayPal account is frozen for any reason, online access to your prepaid card will also be shut down. Online sellers sometimes experience unexpected freezes, so think twice if there’s any risk to your account.

As with other prepaid cards, there are a number of costs and fees associated with the PayPal Prepaid Mastercard. First, you'll need to pay for the card, and the cost can vary between retailers. You must also load the card with a minimum of $10 to $20, depending on the retailer's requirements.  

You’ll also pay $4.95 per month to keep the card open and make unlimited purchase transactions. PayPal will deduct the first $4.95 from your account within 36 hours of you loading it. PayPal also charges various fees for cash withdrawals, depending on location, and for checking your balance via ATM.  

PayPal Cash Mastercard

This is a card that functions more like a standard bank account debit card. Instead of loading funds onto your card as with a prepaid card, you can spend the cash directly from your PayPal Cash Plus account balance.

You have to have a Cash Plus account to get the card. You must also undergo an identity verification similar to the one for the prepaid card, but you don't need to have a credit check since it isn't a credit card.

To use the card, you’ll need to have funds in your PayPal Cash Plus account from payments you’ve received or transfers you’ve made into the account. If you don’t have funds in your account before you use the card, your purchase will be rejected.  

The card doesn't have any monthly fees or a balance minimum, but it does charge some fees for transferring and withdrawing money. Those include a $3.95 fee for loading cash using the PayPal app and a $2.50 fee for domestic ATM withdrawals. Some other fees apply as well.  

How to turn your paypal balance into a debit card you can spend anywhere

Signing up for a PayPal account is just the beginning of all of the benefits that you can get from the platform. It’s a simple to use platform that makes it easy to send and receive money for financial transactions. And, you can do it with either a personal account or a business account.

There are some extra benefits that you get with a business account that you wouldn’t get from a personal account. However, the entire process is relatively the same when it comes to a direct payment method. PayPal is a popular online payment platform because it doesn’t cost you anything to send money. Plus, if you use PayPal to purchase something online, there’s no fee to do so.

So, depending on how often you sell a product or send or receive money from someone else, you might have a PayPal balance. But do you know how to find it? What if something doesn’t add up?

This is everything you need to know to check your PayPal balance.

Here’s What We’ll Cover:

Different Ways to Use PayPal

First, there are a few different ways that PayPal can be used to send or receive money.

The most common is through an instant transfer. The money that you send gets credited to the account that received it immediately. The person that received the money can decide if they want to keep it in their PayPal account or transfer it directly to their personal bank account.

Sending an eCheck is also another way to send money. It’s basically the same as a physical paper check, but everything is done digitally. Another option is with a credit card and using your PayPal account for any credit card purchases.

How to Check Your PayPal Balance on Mobile

PayPal’s app can get downloaded on any type of device. Essentially, all you do is open up the app from your mobile device to see your balance. So, if you don’t already have it downloaded, that will be your first step.

Once you have the app downloaded, you can open it up and enter your login information. After you have successfully logged in with your email address and password, your balance will show up on the left-hand side of the main account page.

The amount that gets displayed will reflect your actual balance. If you have no money in your account, it will show a $0 balance. If you do have money in your account, you will notice that it will show the available amount that you have. And it will also reflect a negative balance should that be the case.

If there is a negative balance or your account is temporarily on hold, contact PayPal customer service to find out more information.

How to Check Your PayPal Balance on Desktop

While the PayPal app works great, it’s not always accessible. Either that, or you monitor all your business expenses and needs through your computer. The good news is that all you have to do is head over to the PayPal website on your preferred browser.

Click on where it says Log In in the upper right-hand corner and enter your email and password account details. As soon as you are signed in, your account balance will be shown near the top left area of the page.

Key Takeaways

Knowing where to find your PayPal balance will ensure that you have enough funds available in your account to make any transactions. Your balance will always get displayed in your primary currency. It’s also important to recognize your balance doesn’t include recurring payments or pending payments.

The simplest way to check your PayPal account balance is to either log into the app on your mobile device or visit the PayPal website. Once you’re logged in, your account balance will get displayed right on the main page.

You can see your current balance on the Account Summary page. Or, you could click on the Money option to view a more detailed breakdown of all your recent transactions. It can provide you with an overview of any different currencies you have used in the past or any payments that are currently held or pending.

And if you wanted to go a step further, PayPal will also break down the different credit cards, debit cards or banking accounts linked to your account. This can help you spot and identify any unusual activity and flag any unauthorized transactions. If there is an unauthorized transaction on your account, contact PayPal’s resolution center.

Did you enjoy reading this guide? Head over to our resource hub for more content!

The PayPal debit card lets you access and spend your PayPal cash instantly rather than waiting two to four business days to transfer the funds into your own bank account. You can use the debit card to make withdrawals from an ATM, or make purchases anywhere that accepts the MasterCard logo. To use the PayPal debit card, you will need a balance in your PayPal account or a linked credit card.

How to Link a Credit Card

Enter your email address and PayPal password on the Paypal homepage to access your account screen.

Click the “Profile” link under the My Account tab. Scroll to “Add or Edit Credit Card” and click to open the menu. Click the “Add Credit Card” button to add a new credit card to your existing account.

Type in your personal information in the text boxes and follow the prompts to add your credit card to your PayPal profile. Follow the prompts on the next screen to link your credit card to your PayPal debit card. By linking your credit card, you can continue to make purchases with your PayPal debit card if you exceed your available limit in your PayPal account.

How to Transfer Funds From a Bank Account

Click the “Add Funds” link under the My Account tab. Scroll to “Add Funds From Bank Account” and click to open the funds menu.

Click the drop-down menu to select a bank account to withdraw funds. Enter the amount of funds you want to transfer to PayPal in the field next to Amount. Click the “Continue” button to process the electronic transfer. Transferring funds from your bank account to your PayPal account will increase the available limit on your PayPal debit card.

Click the “Confirm” button to finalize the electronic transfer.

How to Transfer Funds from MoneyPak

Click “Add Funds” under the My Account tab. Scroll to the “Add Funds From MoneyPak” option and click to open the MoneyPak transfer screen.

Type the account number located on the back of your MoneyPak card into the text box. Type the letters you see in the captcha into the text box below your MoneyPak number. Click the “Continue” button to start the transfer.

Review the information on the next screen for accuracy and follow the prompts to complete the transfer.

You can set up a recurring transfer from your bank account to your PayPal account under the “Add Funds” menu. You can transfer any denomination your wish on a schedule you create.

Warnings

Double-check your bank account information before finalizing your transfer. Using the wrong bank account information will cause the transfer to fail.

  • Paypal; Debt Card Agreement; October 2009
  • PayPal. “Can I Use PayPal to Pay in Stores?” Accessed April 3, 2020.
  • PayPal. “Why Should I Link a Bank Account or a Card to My PayPal Account?” Accessed April 3, 2020.
  • PayPal. “Sending Money to Friends and Family.” Accessed April 3, 2020.
  • PayPal. “How Do I Link a Debit or Credit Card to My PayPal Account?” Accessed April 3, 2020.
  • PayPal. “How to Choose Your Payment Option at Checkout.” Accessed April 3, 2020.
  • PayPal. “About Payment Methods.” Accessed April 3, 2020.
  • PayPal. “Transferring Balance From Personal Accounts.” Accessed April 3, 2020.
  • PayPal. “PayPal Instant Money Transfer to Your Bank Account.” Accessed April 3, 2020.
  • PayPal. “Where Is My Refund?” Accessed April 3, 2020.
  • PayPal. “PayPal Fees – Buying.” Accessed April 3, 2020.
  • PayPal. “PayPal Fees – Selling.” Accessed April 3, 2020.
  • PayPal. “Sending in the U.S.” Accessed April 3, 2020.
  • Consumer Financial Protection Bureau. “How Do I Get My Money Back After I Discovered an Unauthorized Transaction or Money Missing From My Bank Account?” Accessed April 3, 2020.
  • PayPal. “PayPal Buyer Protection.” Accessed April 3, 2020.
  • Federal Trade Commission. “Lost or Stolen Credit, ATM, and Debit Cards.” Accessed April 3, 2020.
  • PayPal. “What Is PayPal Buyer Protection?” Accessed April 3, 2020.
  • You can set up a recurring transfer from your bank account to your PayPal account under the “Add Funds” menu. You can transfer any denomination your wish on a schedule you create.
  • Double-check your bank account information before finalizing your transfer. Using the wrong bank account information will cause the transfer to fail.

Amelia Jenkins has more than eight years of professional writing experience, covering financial, environmental and travel topics. Her work has appeared on MSN and various other websites and her articles have topped the best-of list for sites like Bankrate and Kipplinger. Jenkins studied English at Tarrant County College.

How to turn your paypal balance into a debit card you can spend anywhere

How to transfer money from gift card to PayPal is not as tricky as it may seem. It is actually quite easy!

It is always a respectable gesture when a friend or a family member hands you over a gift card so you can purchase the items of your choice.

First of All: Can You Transfer Money From Gift Card To Paypal?

Upon finding out that gift card balance can be transferred to PayPal, I decided to put forward this easy guide for all my readers.

Yes, it is possible to send funds from your giftcard to PayPal but this feature is not possible with all sorts of cards.

In this article, I would tell you how to transfer money from certain gift cards to your PayPal account. Other than that, if you a card that does not support direct transfer to PayPal or other mobile payment apps, then you can read about transfer of gift card balance to bank account instead.

How to Transfer Money From Gift Card To PayPal

These methods can come in handy when you want to use a store-specific card balance to purchase items elsewhere.

So if you have a Visa or Amazon gift card and you are worried that the funds will go to waste then here’s how the money can be shifted to PayPal account. Time to save some dollars, check this out!

1. Send Gift Card Balance To PayPal Using CashCard.com

  • Make sure that your internet is working fine or otherwise, you would encounter login issues and more.
  • Click on the internet browser and in the search bar, provide the address “www.CardCash.com”. Wait for the website to load.
  • This is the place where you can avail different offers on transferring card balance to other accounts. Share card issue details and then click on “Get Offer”.
  • Once the offer is on your screen, you can choose to turn it down or go ahead with it. If you press “Continue”, the website will then ask you to provide the gift card number and password.
  • Note down the transfer details that the website provides, then open your PayPal account by providing sign-in information.
  • Past the details here and click on “Get My PayPal Balance”. You will get the money as per CashCard deal.

2. Amazon Gift Card Allows You To Send Funds To PayPal

  • Transfer Amazon gift card balance to PayPal by linking these two together in the same manner that you would link PayPal with any other debit card.
  • Sign in your PayPal account and click on “Wallet”.
  • Then click on “Link a credit card or debit card” and tap “Debit card” option to continue.
  • Click on “Add Funds” on PayPal and then tap on “Add Fund From Debit Card”.
  • Provide the gift card details such as card number and card issuer information along with the amount the you wish to move.
  • Wait for the funds to be sent over.

3. You Can Transfer Balance On Your VISA Gift Card To PayPal

  • Make sure that your internet is working fine or otherwise, you would encounter login issues.
  • First of all, login your PayPal account by providing email ID and completing other verification steps.
  • Then click on “Add or Edit Bank Account”. You can use this option to link bank account with PayPal. Once the two accounts are linked, you can move funds between them.
  • Transfer gift card balance to the bank by visiting a nearby exchange portal.
  • Wait to receive the funds then tap on “Add Funds” in your PayPal account.
  • Choose “Add Funds From The Bank Account”, verify the information, and tap on “Continue”. Now you will be able to see gift card balance in your PayPal Account

4. You Can Transfer The Money To Your Bank Account Instead.

  • If your gift card can not send funds to PayPal directly then you can transfer them to a bank account instead by using Square app.
  • Sign in Square app or create a new one then open its “Settings”.
  • For connecting with your bank account, enter the account details such as number and routing number.
  • In the next step, provide your gift card details such as its number and issuer details. You also have to mention the amount that you wish to transfer.
  • The transaction will begin immediately but it can take up to 24 hours to finish.

Please Note! eBay Gift Card Balance Is Non-Transferable

eBay gift card can only be used at the store and there is no way to transfer the funds to PayPal or any other online money transfer app.

What Are Gift Cards and How Do Gift Card Payments Work?

Gift cards don’t go a long way back but they surely gained a lot of popularity in a small amount of time. Different businesses hand out gift cards to their clients as a gesture of loyalty and brand trust. They are loaded with certain sum of money that the cardholder can then use as per his or her need.

Gift cards have one boundary: You can only utilize them at the specific store. This means Amazon gift cards can only be used to purchase items available at Amazon. In fact, sometimes, merchants also specify the categories from which you can purchase further limiting their usability.

Nonetheless, gift cards work seamlessly and therefore, many consider it to be a great item that you could gift to a friend on his birthday or loved one on some special occasion.

  • You can purchase gift cards online.
  • The rest of the online or in-store shopping should proceed as usual with you adding the items of interest to cart.
  • Once you have all you need, provide the gift card at the check-out counter.
  • The cashier would deduct the amount from the card.

..and you are done!

Did You Know? ifts cards are convenient especially because they work like just any other debit card.

Gifts cards are convenient especially because they work like just any other debit card.

However, you can not reload a gift card. The funds, when finished, would means the card is not usable any more. This is a major different between a gift card and other debit cards like Cash App card that you reload via different methods.

The Bottom Line

Gift cards are quite handy and they are a pretty interesting present for your friends or family members as well. However, when you feel like your purchases are restricted and the funds can go to waste, you can always transfer the money to PayPal or your bank account using the simple guide that I have mentioned above.

PayPal is an all-rounder when it comes to online mobile payment apps. You can use it to send funds to other account or pay for online shopping at hundreds of different stores.

Needless to say, the money would be more usable once you have it in your PayPal account!

How to turn your paypal balance into a debit card you can spend anywhere

Bitcoin of America offers a number of convenient ways to transfer your bitcoin or litecoin to commonly used USD payment gateways like prepaid debit cards or a PayPal account . Read the guides below to find the method that’s best for you. Most commonly, bank transfers are used to transfer bitcoin, but using popular fiat gateways like PayPal and Prepaid debit cards can make it easy to spend Bitcoin and Litecoin anywhere that accepts USD.

Sell Bitcoin to Prepaid Debit Card

Want to spend your crypto at any location across the globe that accepts debit cards, to make purchases of goods and services?

Simply sell your bitcoin or litecoin using Bitcoin of America’s online exchange, and you will receive a prepaid debit card for the amount sold for use immediately online; you can also obtain a physical card in the mail.

If you aren’t already familiar with how prepaid cards work, they function in pretty much the same way that a pay-as-you-go mobile phone does, when you top up the phone with cash. In other words, with prepaid cards you credit the card with cash in order to use them, and add more cash when the credit on the card is low.

Each time you sell bitcoin the card transaction increases your cash balance, but unlike a normal debit card, a prepaid card is not connected to a bank account. Another benefit of a card which only holds the money you have, because it’s not tied to your bank, is that if you fall victim to a scam, you only lose the money on your prepaid card.

In summary, the benefit of prepaid cards is that it’s a great option if you are looking for a quick, easy, and straightforward way of selling your bitcoin or litecoin without the hassle of using your bank account to wire money.

The minimum amount you can receive following a sale on Bitcoin of America using your prepaid card is $25.00 and a maximum of $1999.00.

Another method is that you can receive the proceeds of selling your bitcoin or litecoin to your PayPal account on the Bitcoin of America exchange. PayPal is one of the most popular and trusted online payment methods, an accessible and secure digital e-wallet, a safe way to withdraw funds after selling bitcoin or litecoin.

If you haven’t tried it before, PayPal also comes with a one-touch service enabling you to checkout without having to re-enter your login details, which is also available on the mobile app.

Just as a prepaid card has its benefits for limiting the impact of scammers, so PayPal is particularly well-suited for crypto investment purposes, designed with user protection in mind, monitoring transactions 24/7 to eliminate identity theft and phishing attacks.

To sign up to PayPal use your internet browser to go to PayPal’s website and click Sign Up, then decide whether you want a personal or business account. Follow the instructions to complete the account set up. To make use of PayPal’s ability to send and receive money, you’ll then need to connect your bank account to your new account.

There is also the option to connect your account to a debit or credit card. If you see a “confirm credit card” link in the card details section of your PayPal Wallet, you’ll need to confirm your card before you can use it with PayPal. If you don’t see this link, you can begin using your card right away.

Bear in mind that you cannot as an individual use PayPal to sell bitcoin or litecoin, as it runs contrary to the acceptable use policy, which states “You may not use the PayPal service for activities that: Section 3, h) involve currency exchanges or check cashing businesses”.

To read step by step instructions on How to Sell Bitcoin to a prepaid card or PayPal, visit the guide on the Bitcoin of America website.

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You have an account alert – how to turn this off?

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At the top of the summary page in my PayPal account I have this message:

I added the required information about 7 months ago. If I click on the link in the alert I get the message “Thank you for providing all the required information. You’re all set, and your account is back to normal”. But the alert is still there.

This is clearly a bug, but I can’t find anywhere to report it. Anyone know?

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PayPal_Martina

Thank you for your post and welcome to the Community Forum!

If you have a notification on your account and the limitation has not been removed after providing the requested information, it may be that we need additional information from you. If this is the case, you should have received an email with a request for additional information. If not, I would recommend calling our Customer Service! If you would like to call in, you can find the correct phone number for your country by clicking ‘Help & Contact’ at the bottom of the PayPal homepage and by clicking ‘Contact us’ and then ‘Call us’.

I hope this helps!

You have an account alert – how to turn this off?

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Hello, same problem here. No email requesting additional information. What should i do?

You have an account alert – how to turn this off?

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i have the ssame problem on business paypal account. i am unable to call, i tried email but no response. can you assist?

You have an account alert – how to turn this off?

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I am also having this issue. When I see it on my mobile phone (whether on the android app or web browser) it states to come back and deal with it when I am on a regular computer. So I do just that. When I log in on my laptop the alert is there in red. I click on it and it reads as:

Thanks! You’re all set

Everything checked out, so you can use your PayPal balance the way you always have. Send it, spend it or just keep it as a cushion against the unexpected. Go to Account Overview

So the first time I was thinking great! Were all good. But as soon as I click as told and go to the Account Overview the dreaded red message is back as if it never left. Its been a couple of weeks. Nothing has changed. I have messaged support twice with no reply that wasn’t an automated one.

I don’t have any issues receiving money, no issues sending money, no issues paying someone, but it doesn’t matter what bank account, or debit card I try to transfer the money to myself. They all fail.

This is probably the most asked question i’ve seen and since i’ve experienced this several times on several different occasions, I will provide detailed information on what to do, how to do it and what to expect from personal experience.

What causes my account go become negative?

There can be 2 ways for your account to go negative. The most common way is when someone sends you money and you end up spending that money. The person who sends you money then chargesback and causes PayPal to ‘hold’ the funds he sent you causing your account to go negative (assuming you didn’t have money on your account to start with).

Another way would be a subscription re-billing you and causing your account to go negative. Most of the time PayPal will decline the transaction, but there are cases on were they allow it assuming you have a back up funding source, such as a credit card or bank account.

How do I restore my balance?

The only way to restore your balance is to add funds to your account. Yes, you can have someone SEND you money to restore your balance, but you will NOT be able to SEND money until your balance is back at 0.00.

What happends if I don’t pay my negative balance?

This is the MOST asked question i’ve answered. Several things can happen here, so read carefully.

If you choose to leave your account negative, in 90 days PayPal will turn your account over to IQOR, a debt collection agency to try and get the money you owe back. I can almost guarantee that this is a automated process and this company is just a branch off PayPal to specifically handle debts. If you used your real address, you will be received letters stating the balance you owe and how to pay it. You will also receive non-stop calling from IQOR trying to get you to pay the debt you owe. A simple fix for that is to change the last 4 digits of your phone number on your PayPal before IQOR handles your debt.

IF YOU ENTERED YOUR SOCIAL SECURITY NUMBER OR APPLIED FOR A CREDIT CARD THROUGH PAYPAL, PAY THE DEBT OR IT WILL SHOW UP ON YOUR CREDIT HISTORY.

If you haven’t, then you have nothing else to worry about besides annoying letters and calls. They CANNOT prove your identity so they cannot take legal action against you (and they wouldn’t anyways unless you owe them like $10,000+).

I’ve personally been through 4 PayPal accounts and all of them closed/frozen for being negative. I probably owe PayPal a sum of $6,000 because of people charging back on me using hacked PayPal’s. I’m currently 21 and I opened my first PayPal account when I was 14. My credit history is a clean as a whistle because I wasn’t dumb enough to give PayPal my social security.

Why does PayPal ask for your Social Security number if it’s not required?

If you don’t withdraw money often, then you don’t need to worry about it. If you don’t enter your social security, your limited to withdrawing a maximum of $500 a month. If you wish to withdraw more you MUST enter a social security number.

How to turn your paypal balance into a debit card you can spend anywhere

PayPal is one of the most useful digital money transferring services for business owners, freelancers, and more. While many people use PayPal to pay other individuals, they must first send money to their PayPal accounts.

While you can use a debit card or prepaid card, linking a bank account to your PayPal account is often smarter. If you’re a business owner, this allows you to pay yourself quickly and easily in the future. Or you can pay employees with just a few clicks. Today, let’s break down the exact steps you need to take to transfer money from your bank to your PayPal account.

Here’s What We’ll Cover:

Step 1 – Confirm a Bank Account and Link It to PayPal

Before you can transfer money from your business bank account to your PayPal account, you’ll have to confirm the bank account in question. By confirming your bank account, you verify your identity with PayPal and link that account to your PayPal wallet. Not only will this facilitate future transfers, but it’ll also raise your PayPal transfer limits.

PayPal confirms bank accounts by depositing two small amounts of money between $0.01 and $.99 into your bank account. The amounts are displayed on your bank statements within a business week. Then they vanish once PayPal has verified its information.

To add your bank account to your PayPal account:

  • Go to your PayPal Wallet and click “link a bank account”
  • PayPal will need a few pieces of information, like your online banking account’s number and routing number
  • Both numbers can be found on the bottoms of checks you’ve received from your bank or can be requested from your bank’s customer service department
  • Enter the information and PayPal will verify that the account exists

Now that you’ve added a bank account to PayPal, you can confirm it. To do this:

  • Go to your PayPal Wallet
  • Select the bank account you want to confirm
  • Click “confirm bank account,” then enter the decimal digits of the two deposit amounts
  • For example, if PayPal deposited $.12 and $.15, you need to enter 12 and 15
  • Click “confirm”. PayPal will verify the information and confirm your account as legitimate

At this point, PayPal has a verified and confirmed bank account under your name. You can now transfer money to and from that bank account to your PayPal Wallet.

Step 2 – Enter Your PayPal Wallet

Enter your PayPal Wallet by logging into your account and clicking “Wallet” at the top of the screen. The left-hand side of the screen will display a list of linked bank accounts, credit or debit cards, and other financial accounts available to you.

Step 3 – Transfer Money to Your PayPal Account

Click the “transfer money” button found in the middle of the screen. This will bring up another few options. Click “add money to your balance” to add money from your linked bank account to PayPal.

Select the bank account you wish to transfer money to or from. Then click “Add”.

PayPal does have fees for international transfers. The fee for transfers is based on current exchange rates. PayPal updates these fees regularly on its site.

Step 4 – Wait for the Money to Arrive

At this point, all you need to do is wait for PayPal to receive the funds from your linked bank account. The process should occur automatically without any further input on your part.

Note that your linked bank account must be in the same name as your PayPal account for you to add money this way.

Does This Method Work for Other Payment Options?

Yes. The basic process is the same whether you want to use a credit card, debit card, or even make a cash withdrawal. However, the type of transfer you want to make can affect fees, wait times, and more.

For instance, foreign payments often take between 5-10 business days to process.

How Long Does It Take to Transfer Money from a Bank Account to PayPal?

In general, funds added to your PayPal account from a linked bank account will appear within 1-3 business days. However, this is just an average. Many things can affect how quickly money appears in your PayPal account. These include:

  • When the request is sent. If you send the request on a weekend day, you must add either one or two days to your estimated time before the money arrives
  • The time of day. Requests processed after 7 PM Eastern time may take longer. This is when most of PayPal’s offices close their business hours
  • How much money you want to send. Larger transactions may be personally reviewed by PayPal’s customer service team. This may result in a delay
  • Whether the transaction is an international money transfer

Alternatively, sign up for PayPal’s Instant Transfer service. This is far faster than its standard transfer function. It lets you send money to friends or workers in minutes. Or you can accept payments for work super fast.

Key Takeaways

Overall, transferring money from your bank to your PayPal account is quick and easy once you have confirmed an account. Prep work aside, setting this system up allows you to quickly transfer cash to your PayPal Wallet in just a few clicks. It’s an excellent tool for ensuring you always have enough money in your PayPal to pay freelancers and friends. Or to make online purchases whenever you need.

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ADD VISA GIFT CARD BALANCE TO PAYPAL

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I HAVE A STACK OF VISA GIFT CARDS WITH SMALL BALANCES HOW CAN I PUT THE REMAINDER ON PAYPAL ACCOUNT??

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ADD VISA GIFT CARD BALANCE TO PAYPAL

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Its not possible to add funds into your own PayPal account with any Wallet linked card; whether a credit, debit, or prepaid gift card.

It may be possible to link the cards to your account for use as a funding source for payments.

Here is a PayPal link with details on gift cards.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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Its not possible to add funds into your own PayPal account with any Wallet linked card; whether a credit, debit, or prepaid gift card.

It may be possible to link the cards to your account for use as a funding source for payments.

Here is a PayPal link with details on gift cards.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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Can I send the balances to someone else so they can use them up.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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You are not allowed to use PayPal for creative ways of obtaining a cash advance, for yourself, or others.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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That may be possible however, I believe that because the funding source is a card, PayPal will charge you a fee.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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ADD VISA GIFT CARD BALANCE TO PAYPAL

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I had the same problem and the guy I talked to (w/ Paypal) said the only way to do something like this is to transfer the money from the GC’s on your account to a friend’s PayPal account and then have that person just send you the money back to you as PayPal Cash. You can then use that balance as a whole instead of multiple GC’s. You will have to pay the fee when transferring the money from the GC’s to your friends account. Small price to pay to have the convenience of PayPal cash. I would think they’d come up with a much cleaner process for something as simple as this.

ADD VISA GIFT CARD BALANCE TO PAYPAL

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Bump. I’m trying to use a gift card as well, to pay for part of a purchase.

I’d like to either combine the gift card balance into my Paypal balance (and use my Paypal balance to make the whole purchase), or split the payment with my other payment source. The vendor I’m purchasing from doesn’t show the option to split payment when I select Paypal, so I’m assuming that adding the gift card to my PP balance is my only option.

I can’t seem to find any way to do this other than sending an invoice to myself and faking it. Am I missing something (hopefully?)

ADD VISA GIFT CARD BALANCE TO PAYPAL

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PayPal_DerrickD

I appreciate you taking the time to post your question here in our community. To clarify, there isn’t a way to add your gift card balance to your PayPal account balance. If you have a Visa or Mastercard Gift card, the best way to go about your purchase would be to link your gift card to your PayPal account through your wallet first. Once linked, you can then checkout through PayPal and select your PayPal balance as your payment method. If you don’t have the full amount in your available balance, you can then choose to fund your purchase through a second funding source which can be your gift card.

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If you want to give some feedback on this, please write it here : https://www.reddit.com/r/xboxinsiders/wiki/ideas

Devs look it at a weekly basis.

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If you believe you paid too much for something you can always try to request a refund. You can find more info on how to do that by going here: https://beta.support.xbox.com/help/subscriptions-billing/manage-subscriptions/digital-goods-subscriptions-refund

Hope that helps!

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The reason why Microsoft won’t do this is because some claim the gift card rewards and other receive gift cards from Microsoft during promotions which cannot be swapped for money equivalent.

If you paid for this gift card instead it would only come back how it was originally bought for legal reasons. If you think it’s unfair you can contact Microsoft directly on their website or use credit/debit card in future.

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Rewards nor game companies are a bank

Common use common sense

The only way to transfer money back is for a refund and ONLY TO the original purchasing method if they dont you can then sue for refund fraud and win

Paypal doesnt work that way legally

And if you DIDNT know

Paypals refund policy is worse

You ask for a refund to your payment method unless its ebay

It takes 3 months to return ti your paymentr method

If it is rewards then no it stays on your account

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other than the suggestions already given please make sure to read the confirmation messages given to you on screen, if you dont want to go ahead with a purchase please press back.

you could also check your payment options on their own settings to see if you can set up payment limits so you dont accidentally spend too much.

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This option does not really exist for any business practice of other systems or website platforms ect.

If you were to have money put into this system, it is there and can be used for purchase of any goods/products. They use to have an option where you could at least call MS and they could give you a Xbox $ card back but since so many hackers and people that manipulated that, they stopped it which is good in my opinion.

How to turn your paypal balance into a debit card you can spend anywhere

Pyypl is an international financial services provider based in UAE and Bahrain. It allows people to create Mastercard payment cards and digital wallets for online transactions. In this post, we will discuss how to use Pyypl, how to create your wallet, get a free Mastercard, send money, and many more.

Table of Contents

How does Pyypl work?

Pyypl (pronounced “People”) is a digital wallet and Mastercard payment service that allows people to shop easily on the internet.

You can have your own international Mastercard payment card on the Pyypl app. This can be done in 2 minutes after which you can start using it.

The Pyypl app also comes with a digital wallet. You can receive money into your wallet, send to other people and also spend it.

Kindly note that Pyypl is not a bank account. Instead, it’s an online payment service provider, similar to Paypal.

Benefits of using Pyypl

The Pyypl app comes with several benefits. Few of them are listed here.

  • You can shop on foreign websites by using your Pyypl online Mastercard
  • Add funds easily through your bank credit and debit cards
  • Account creation is free. The only document you need is your National ID
  • You can send and receive money from other Pyypl users, through your Pyypl digital wallet
  • Remit money to the Philippines at a low exchange rate
  • Track your spending and online shopping history with the Pyypl app
  • Recharge your airtime and subscriptions on the Pyypl app
  • You can freeze and unfreeze your Pyypl card anytime you want. That way, no other person can use it without your consent

Is it safe to use Pyypl?

Yes, it is very safe to use Pyypl.

Pyypl is a registered financial services company based in the United Arab Emirates (UAE) and Bahrain. It is authorized by the Financial Services Regulatory Authority in UAE. Pyypl is also licensed by the Central Bank of Bahrain.

Pyypl is not a fraudulent company. It is a legit financial services provider that will give you an officially approved card.

Pyypl supported countries

Pyypl virtual payment services are not restricted to a few countries. You can use Pyypl if your country is in the Middle East, Africa, and Central Asia.

Mobile recharge and virtual top-up services are available in Afghanistan, Bangladesh, Cameroon, Egypt, Ethiopia, India, Kenya, Nepal, Nigeria, Pakistan, Palestinian and Sri Lanka.

Requirements to open a Pyypl account

To create your Pyypl account and obtain your virtual Mastercard for online payments, you must meet the requirements below.

  • You must be up to 18 years of age (if you are underage you can still provide consent of your parents or legal guardian)

You will also need to provide the details below.

  • Your full name
  • A means of national Identification
  • Your mobile phone number

If you meet the requirements then you are eligible to use the Pyypl mobile app. Download and install the app to get your free Mastercard payment card.

Pyypl mobile app download

To get your virtual Mastercard payment card, digital wallet and make use of other Pyypl services, you have to download the Pyypl mobile app.

It is available on the Google Play Store (for Android devices) and the Apple App Store (for iOS devices).

How to get your Pyypl Mastercard in 2 minutes

Once you have the Pyypl mobile app on your phone, you can get your virtual Pyypl Mastercard by following the steps below.

  • Open the Pyypl app
  • You will see a welcome screen displayed on your phone. You will have to provide your phone number
  • There is a “Send OTP” at the bottom of the page. Click on it to get your One Time Password. Input the password and continue
  • The next page is for Identify verification. Here you have to capture the front and back photographs of your NIN Card. Once you are done press the Next button
  • Provide your full name and submit

After submitting, you will see a pop-up page on your screen that says “Congratulations this is your card“. You will also be given 1 USD free of charge. It will be automatically added to your digital wallet.

You can use your Pyypl virtual Mastercard in over 50 million shops and websites. You can use Pyypl to order food or pay for subscriptions on the following platforms.

  • Talabat
  • Zomato
  • Deliveroo
  • Careem NOW
  • EatEasy
  • Lunch On
  • Netflix
  • YouTube Premium
  • Amazon prime
  • Google Play Store and lots more

Kindly note that:

  • You can link your Pyypl virtual Mastercard with your PayPal account
  • Pyypl is not currently supported on Google Pay, Samsung Pay and Apple Pay
  • Physical plastic cards will soon be available

How to fund your Pyypl account

Now that you have your virtual Mastercard and can shop on foreign websites, you will need to fund your account.

To add funds to your Pyypl digital wallet, see the procedure below.

  • Go to your Pyypl dashboard
  • You will see the “Add Money” button beside your account balance
  • Under the fund options, click on “Debit Card Load
  • On the next page, there is a slider that you can use to select the amount of money you want to add to your Pyypl account
  • Provide the bank details of your debit card and click on “Pay

The amount will be deducted from your bank account and added to your Pyypl account. Go back to your dashboard and you will see that your account balance has increased with the amount you just added.

Pyypl head office address

Pyypl has its registered head office in the United Arab Emirates (UAE). It is located on the 34th Floor, Al Maqam Tower, Abu Dhabi Global Market Square, Abu Dhabi, United Arab Emirates.

Restaurants, retail stores, and others accept PayPal payments

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What to Know

  • Set up your preferred payment method by going to PayPal Settings > Payments > Change (in the Your Preferred Way to Pay section).
  • Open the Google Pay app and select Payment > Payment Method > PayPal. Log in to your account and choose a PIN.
  • Mobile phone number + PIN and the payment code feature in the PayPal Mobile app as in-store acceptance methods no longer work.

PayPal is one of the most trusted ways to send and receive money online. This article explains how to use it as a payment method while shopping at brick-and-mortar establishments.

Choose Your Preferred Way to Pay in Stores

Before you use PayPal to pay in a store, make sure you have it set up to use your preferred payment method. If you have a balance on your PayPal account, it will be used first. If you spend more than you have in PayPal, your preferred payment method will be used.

You have the option of using a PayPal credit card, using a linked credit card, debit card or bank account, or linking a new payment account from which to draw funds.

Click the gear icon in the upper-right corner to open PayPal Settings.

Click the Payments tab near the top of the Settings page.

Click Change next to the store icon at the bottom of the Your Preferred Way to Pay list.

Select PayPal Credit if you have a PayPal Credit account and wish to use it as your backup method.

Select one of the listed linked accounts if you want to use that as your backup payment method.

Click Link a New Card or Bank if you want to add a different backup payment method. Follow the prompts to enter the required information for this payment method.

Click Save when you are done.

Pay With PayPal in Stores Using Google Pay

Google Pay is like a digital wallet you can keep on your phone and use to pay for products and services in stores, restaurants, and other physical locations. When you link PayPal to Google Pay, you can check out with PayPal through Google Pay where you see the Google Pay or PayPal logos.

As of March 31, 2018, PayPal stopped supporting mobile phone number + PIN and the payment code feature in the PayPal Mobile app as in-store acceptance methods.

Once installed, open Google Pay and tap Payment at the bottom of the screen.

Tap + Payment Method.

Select PayPal.

Log in to your PayPal account.

Set a PayPal PIN for in-store purchases.

Enter the PIN again to confirm the number.

Review the details. Click Agree & Continue.

Confirm your information. You will receive a message that you are ready to use PayPal with Google Pay.

To use PayPal in a store with Google Pay, unlock your phone and hold the back of your phone to the payment screen for several seconds. You do not need to open the Google Pay app. Enter your PIN if prompted.

PayPal Debit Card

Another option is to apply for a PayPal Cash Mastercard. This debit card is accepted in stores, restaurants, and anywhere else Mastercard is accepted. It is not a credit card. When you pay using the card, it will access your PayPal balance and use the funds to pay the bill.

How to turn your paypal balance into a debit card you can spend anywhere

When you use PayPal to send payments or shop online, you’re not confined to one linked bank account or card. Here’s how to change your preferred payment method for auto-payments and subscriptions.

Navigating PayPal’s settings can get confusing. You go in to change your payment method for your monthly subscription box, but the way to do this isn’t immediately clear. Eventually, you find the “set as preferred” option, click it, and forget about it until next month…when PayPal pays from the wrong credit card again! What happened?

When you use PayPal to send payments or shop online, you’re not confined to one linked bank account or card. Adding multiple credit and debit cards, plus your bank, to your PayPal account is optional, but it does give you the freedom to choose your payment method come checkout time. So how can you manage which payments come out of which account? And how do you switch your payment method when it comes to subscriptions or other recurring payments? It’s possible to do so without having to cancel and reinitiate any subscriptions, but PayPal’s interface doesn’t make that too obvious—especially when you’re on the app.

PayPal Uses Your Cash Account First

If you have money available in your Cash or Cash Plus account, PayPal uses this balance first, and there’s no way around it. Due to new regulations that kicked in this year, the only way to hold money within PayPal after March 2019 is by linking a Cash or Cash Plus account. If you were holding a balance at the end of March, PayPal would have created one of these for you automatically. If not, PayPal will give you the option to create one if, for instance, someone sends you money and you choose it for the Keep in PayPal option. Once you’ve set up a Cash account, you’ll have money in it when you receive a payment through PayPal or add money (either by transferring it from your linked bank, by adding cash at a participating store, or by cashing a check via the app) and don’t transfer it out.

How to turn your paypal balance into a debit card you can spend anywhere

Again, holding a balance this way is optional, but if you have one, PayPal will draw from it before it moves on to any linked cards or bank accounts–even if you set them as default.

After your Balance, PayPal Uses Your Preferred Way to Pay

If you never set up a balanced account, or if you do, but there’s no available balance, PayPal uses “your preferred way to pay,” which is your default backup payment method. Changing this setting affects the primary funding source for any payment arrangements you make from now on. It does not, however, alter the payment method you are using for any existing subscriptions or payment arrangements you’ve already authorized, such as to an online retailer you’ve shopped before. If you need to change an existing payment method for a particular subscription or store—from, say, your credit card to your checking account—you’re going to have to dig a little deeper.

Note that you have limited access to settings via the PayPal app. To make the following changes, sign in to PayPal on a web browser (either desktop or mobile will work).

Changing your Preferred Way to Pay

First, let’s get into how to change your default backup payment method for any new payment arrangements you make going forward. Keep in mind that PayPal will still use any money available in your PayPal account balance first, regardless of the choice you make here.

Log in to your PayPal account (make sure you’re using two-factor authorization for extra security while you’re at it). Then, click the Wallet tab.

You’ll see a list of the payment methods you’ve linked on the left. Click the one you want to default to, and then click Set as preferred. You’ll notice a checkmark icon appear to confirm your choice, and PayPal will also send you an email letting you know a change was made. Finally, PayPal lets you change your mind as you’re checking out at an online store, so your preferred way to pay isn’t set in stone.

How to turn your paypal balance into a debit card you can spend anywhere

Read on if you need to change the funding source for pre-authorized or recurring PayPal payments, which must be modified individually.

Changing the Payment Method for Subscriptions and Automatic Payments

Again, access PayPal in your browser. Login to your account, then click the gear icon at the top right of the page to access your account settings.

How to turn your paypal balance into a debit card you can spend anywhere

Then, click the Payments tab.

How to turn your paypal balance into a debit card you can spend anywhere

Once on the Payments page, click the Manage automatic payments button.

How to turn your paypal balance into a debit card you can spend anywhere

You’ll see the merchants you’ve authorized listed on the left-hand side. Click one to see payment activity, billed amounts, and even contact information in addition to the payment method you’re using. You can also cancel accounts from this page.

Next, click the edit icon and choose the way you want to pay that seller. Then, if you’re paying a merchant in a different country, you have to option to click conversion options to change how PayPal handles any currency conversions that need to happen.

How to turn your paypal balance into a debit card you can spend anywhere

Help! My Merchant isn’t Listed

Try clicking the Show inactive radio button if you’ve previously canceled the account you’re looking for.

Or, click the manage pre-approved payments link, as it may be listed there instead. Once you find the merchant here, click it to go to Billing Details, where you can make your changes.

How to turn your paypal balance into a debit card you can spend anywhere

Summing Up

You can switch between your available funding sources as often as you’d like, and it’s an easy process once you know where to look. It’s especially convenient to make changes directly through PayPal’s Automatic Payments hub rather than hopping around your online retailer accounts. And if there’s a problem with the payment method you chose as your primary, PayPal will use one of your other available banks or cards. With this kind of flexibility, it makes sense to use PayPal to purchase subscriptions and more.

How to turn your paypal balance into a debit card you can spend anywhere

One of the obvious perks of the holiday season is gift cards galore.

Prepaid gift cards sold by credit card companies are a particularly great gift, because you can put the balance toward just about anything — including your PayPal account.

And adding a gift card balance to your PayPal account might be a good idea if you often use PayPal.

It’s also a great way to eliminate the possibility of forfeiting your funds before you’ve even had a chance to splurge — a lot of us are prone to losing physical copies of things.

Here’s how to add a prepaid gift card from Visa, American Express, MasterCard, or Discover to your PayPal account.

How to add a gift card to PayPal

1. Go into your PayPal Wallet on a desktop computer .

2. Click “Link a debit or credit card.”

3. Tap “Link a card manually” if given the option to link manually or through a bank.

4. Enter the gift card information.

5. Tap “Link Card.”

Sometimes, you might run into an error trying to add a gift card to your PayPal account as a payment method because gift cards lack personal identifiers, unlike traditionally-issued credit cards.

If you run into this kind of trouble, register your gift card — there should be instructions on the card that will direct you to a website for registration.

Additionally, there are also ways to exchange non-credit card gift cards for money in your PayPal account, but the cost of the transaction is significant — usually a minimum of 10% of the value of the gift card.

You don’t need a bank account, but most of these cards have fees and deposit limits.

Cynthia Paez Bowman

Cynthia Paez Bowman is a finance, real estate and international business journalist. Besides Bankrate.com, her work has been featured in Business Jet Traveler, MSN, CheatSheet.com, Freshome.com and SimpleDollar.com. She owns and operates a small digital marketing and public relations firm that works with select startups and women-owned businesses to provide growth and visibility. Cynthia splits her time between Los Angeles, CA and San Sebastian, Spain. She travels to Africa and the Middle East regularly to consult with women’s NGOs about small business development.

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CNET editors independently choose every product and service we cover. Though we can’t review every available financial company or offer, we strive to make comprehensive, rigorous comparisons in order to highlight the best of them. When you apply for products or services through our links, we may earn a commission. The compensation we receive and other factors, such as your location, may impact how ads and links appear on our site.

We are an independent publisher. Our advertisers do not direct our editorial content. Any opinions, analyses, reviews, or recommendations expressed in editorial content are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by the advertiser.

To support our work, we are paid in different ways for providing advertising services. For example, some advertisers pay us to display ads, others pay us when you click on certain links, and others pay us when you submit your information to request a quote or other offer details. CNET’s compensation is never tied to whether you purchase an insurance product. We don’t charge you for our services. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear.

Our insurance content may include references to or advertisements by our corporate affiliate HomeInsurance.com LLC, a licensed insurance producer (NPN: 8781838). And HomeInsurance.com LLC may receive compensation from third parties if you choose to visit and transact on their website. However, all CNET editorial content is independently researched and developed without regard to our corporate relationship to HomeInsurance.com LLC or its advertiser relationships.

Our content may include summaries of insurance providers, or their products or services. CNET is not an insurance agency or broker. We do not transact in the business of insurance in any manner, and we are not attempting to sell insurance or asking or urging you to apply for a particular kind of insurance from a particular company.

In a digital world, information only matters if it’s timely, relevant, and credible. We promise to do whatever is necessary to get you the information you need when you need it, to make our opinions fair and useful, and to make sure our facts are accurate.

If a popular product is on store shelves, you can count on CNET for immediate commentary and benchmark analysis as soon as possible. We promise to publish credible information we have as soon as we have it, throughout a product’s life cycle, from its first public announcement to any potential recall or emergence of a competing device.

How will we know if we’re fulfilling our mission? We constantly monitor our competition, user activity, and journalistic awards. We scour and scrutinize blogs, sites, aggregators, RSS feeds, and any other available resources, and editors at all levels of our organization continuously review our coverage.

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How to turn your paypal balance into a debit card you can spend anywhere

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PayPal is a convenient way to send money to a friend or family member and was probably the largest force in changing the way we send money to other people. In 2020, 44% of survey respondents in the U.S. had used a service like PayPal to send money to friends or acquaintances in the prior 12 months.

Naturally, you might wonder if you should use a credit card to send money to another person using PayPal. After all, your credit card earns rewards—Why not earn additional cash back or transferable points when sending money?

Generally, the fees PayPal charges to send money to another person using a credit card are greater than the rewards you will earn, making it unattractive to use a credit card to send person-to-person money transfers through PayPal. There are some exceptions to this, but banks are also changing the way these transactions are processed, which might subject you to additional fees. Read on for more details.

PayPal Is Much More Than Person-to-Person Payments

PayPal checkout is integrated onto many websites and many smaller merchants use PayPal to invoice and accept payment for goods and services. Those types of transactions have a separate fee structure and are processed differently than person-to-person transactions. This article specifically covers using PayPal to send money to another person, not to pay for a purchase.

The Deal Breaker: Transaction Fees

One of the biggest drawbacks of using a credit card to send money to another person using PayPal is the processing fee. PayPal charges 2.9%, plus a fixed fee of 30 cents to process a person-to-person money transfer using a credit card. This fee can quickly eclipse any credit card rewards you might earn.

PayPal does not charge this fee for person-to-person money transfers using either your existing PayPal balance or a money transfer from your checking account.

Why Using a Credit Card Might Still Be Attractive

Despite the fee PayPal charges, there are a few cases where you could come out ahead after the credit card fee.

Credit Cards With Rotating 5% Bonus Categories

Some credit cards, such as the Chase Freedom Flex℠ and the Discover it® Cash Back offer rotating categories in which cardmembers earn 5% cash back. Categories earning bonus cash back change quarterly and have earning caps before their base rate earnings of 1% apply. Both of these cards have historically included PayPal in the bonus cash back offering.

  • Discover included PayPal in its 2021 cashback calendar for Q3 (July through September).
  • In 2020, Chase included PayPal in its cashback calendar during Q4 (October through December).

Welcome Bonus Spending

If you have recently applied for a credit card that offers a welcome bonus after a certain amount of required spending, it might make sense to use PayPal to send money to another person using a credit card.

Beware The Cash Advance Fee

In 2020, the New York Times reported on a change in the way that money transfer transactions are coded and processed through Visa and Mastercard. This change means that banks can now charge cash advance fees for things like person-to-person money transfers through services like PayPal and Venmo.

Since this change has been implemented, some credit card users have reported being charged a cash advance fee when sending money using PayPal. In addition, Chase has been reported to be sending notices to existing cardmembers updating their terms and conditions to include person-to-person money transfers in the list of transaction types where they charge a cash advance fee.

Bottom Line

Generally, it is not advantageous to send money to another person using PayPal and a credit card.

Unless you are using a credit card that earns 5% back on transactions at PayPal or completing a welcome bonus spending requirement, you will usually pay more in fees than you earn in rewards. In addition, with banks starting to charge cash advance fees for person-to-person payments, there is a chance that your person-to-person payment may end up costing a lot more than the 2.9% fee.

If you are looking to send money to someone using PayPal, send money using your PayPal balance or linked checking account. For PayPal alternatives, consider the five best ways to send money.

I want to buy something that is $80, but there are no $80 denominations. Is there a way to combine the Visa cards or transfer them to Paypal balance?

Link them to your PayPal, just make sure you have $0 PayPal balance because they will use that balance first. I just sent my paypal balance to my bro's paypal and used the virtual visa cards. No extra charge, although if you want it for your PayPal balance, you can send it to another paypal account and send it back to yours. I did this for one of the $100, but there was a $3.11 fee for it.

Oculus dosent do that. They force me to use visa card and not my balance

Someone suggested to me that I combine them via Google Wallet. So, that's what I've been doing. I just got my physical card a few days ago,but I haven't had a chance to use it yet. But, it's let me combine the cards on the app without any trouble.

3%? Ouch. Why not swipe them on Amazon payments new system @ 1.7%?

Are these virtual visa cards available in canada? I cannot seem to find it

Since you already know what you want, you could use the Visa cards to buy gift cards. Most stores let you use multiple gift cards and combine them with another payment (such as another VISA prepaid card or credit card). Just check to make sure there isn't a limit. Walmart, for instance, only allows 4 gift cards per order.

Most of the other options will cost you some money. You can request money on Paypal to another email and use the cards to pay but it will cost you 2.9% plus 30 cents each time. You don't need a Paypal account to send money using a credit or debit card.

PayPal is a convenient and safe online banking resource that can be used to complete different types of online money transactions. Using PayPal creates a security barrier between the people and companies you send and receive money from, which helps protect your sensitive financial information. In addition to making safer online purchases, you can also pay some of your bills, receive deposits, donate to charitable organizations, transfer money abroad and send money to anyone with an email account. All this and more can be done without having to send your bank account information to many different sources.The PayPal account doesn’t need to have a balance as long as you have a confirmed bank account or credit card linked to your PayPal it.

If you prefer to streamline your approach to e-commerce, you can link a debit or credit card directly to PayPal. When you make a purchase using this online service, funds can be routed directly from your debit or credit card to the vendor in question using PayPal as an intermediary.

Add a Card to Your Account

You’ll first need to add the credit card to your account so PayPal will use it for transactions. Log in to your Paypal account. Click on the “Profile” link. Select “Financial Information” and “Credit/Debit Card.” Select “Add a card.” Enter the requested card information. Confirm by clicking “Add Card.” The PayPal company will make a small deposit and deduction from your card.

Verify Your Credit Card

Once you’ve added the credit card to your PayPal account, you’ll need to verify it’s your card and that PayPal has the correct information. View your credit card statement (online or paper statement) and write down the exact amounts for each transaction made by PayPal. Then log back into your PayPal account, select “My Account” and go to “Profile.” Click on the “Bank Account’s” tab and select “Confirm.” You will be asked to enter in the amounts of the small deposit and deduction as a means to verify your ownership of the credit card.

Add Funds Using Your Credit Card

Add funds to your PayPal account from the credit account balance by logging into your account and clicking “Transfer Money” under your balance on the home page. On the next page, select “Add money to your balance.” Enter the amount of money you wish to transfer from your Visa card and click “Submit.” Your money should be available within 3 to 5 days. It’s important to note that the same credit card can be linked to only one PayPal account at one time. Some cards qualify for instant confirmation, particularly if you have online access to your credit card account. If this is the case, the confirmation can be done in minutes.

How to turn your paypal balance into a debit card you can spend anywhere

Fast access to cash can be a lifeline when facing a financial emergency or unexpected expense. There are a few ways you can get cash quickly if you’re short on funds — one of them being a cash advance from a credit card, which lets you use your card to get a short-term cash loan at a bank or ATM.

But you should be careful: Credit card cash advances are very expensive.

You’re borrowing against your credit limit to put cash in your pocket, at an interest rate usually higher than on regular credit card purchases. And you’ll typically have to pay a transaction fee too.

“I suspect it happens mostly at times of emergencies, or it’s just a very poor choice by an inexperienced consumer,” says Mike Sullivan, a personal financial consultant with Take Charge America, a national nonprofit credit counseling and debt management agency.

“But it’s almost always a bad decision.”

The best way to avoid falling into more debt is knowing exactly what you’re signing up for. Here’s everything you should consider before taking out a cash advance.

How Does a Credit Card Cash Advance Work?

A credit card cash advance is similar to withdrawing cash from an ATM with your debit card, except the cash comes from your credit card instead of your checking account — and you have to pay it back.

“It’s technically a loan,” says Todd Christensen, financial counselor and education manager with the nonprofit debt relief agency Money Fit by DRS. “You are taking out money that you’ll have to pay back with a high interest rate, typically 25% to 30%, with no grace period.”

The process to get a credit card cash advance is straightforward. You can enter your credit card PIN at an ATM — this is different from your debit card’s PIN — or use a convenience check mailed by your credit card issuer to withdraw cash at a bank. There are limits on the amount you can withdraw, typically anywhere between 10% and 40% of your total credit limit.

Pro Tip

If you have no other option but to take a cash advance from your credit card, you can minimize accruing interest by paying the balance as quickly as possible

Unlike a payday loan, this type of advance is tied to your credit card, and you can pay it back over an indefinite period of time, as long as you make minimum payments. However, making only minimum payments will cost you money over time since the interest rate for credit card cash advances is so high.

The Costs of a Credit Card Cash Advance

Before you move forward with a credit card cash advance, there are several costs to take into account:

  • Interest charges: When you take out a cash advance, the bank will add interest to the amount you withdraw. Typically, the interest begins accruing immediately. The average interest rate for a cash advance is almost 25%, according to recent data from CreditCards.com.
  • Cash advance fees: This is the fee you’re required to pay for withdrawing cash from your credit card. It’s usually 5% of the transaction or $10, whichever is greater.
  • ATM fees: These fees can vary. They could vary between $2.50 and $5 or more, depending on what ATM you use. It won’t cost you anything if you use your bank’s ATMs. But any transaction made with an out-of-network ATM will usually trigger fees.

Let’s say you withdraw $200 from an ATM using your credit card. Right off the bat, you’ll pay a $10 cash advance fee (5% of $200). You might also have to pay an ATM fee, so it could cost up to $15 to simply get the cash advance. And you’ll begin accruing interest immediately at, let’s say, 24%. If you don’t pay your bill until the first statement after your withdrawal arrives, you’ll owe roughly $48 in interest.

Paying Off a Cash Advance Balance

If you’re already struggling with credit card debt, a cash advance can put you in a deeper hole.

Say you have a balance of $2,000 on your credit card, and your card is charging an interest rate of 18%. Then, you decide to take out a $300 cash advance, which may come with 25% interest .

Minimum payments typically apply to the balance with the lowest interest rate (in this case, your previous $2,000 balance). So, if you only pay the minimum, your cash advance debt could quickly balloon. It could take months or years to pay off. You’ll also spend a lot on fees and interest.

That’s why it’s critical to read your credit card agreement before you do a cash advance. If you decide to take out a cash advance, take out only what you need and pay it off as quickly as possible.

Alternatives To Credit Card Cash Advances

If you find yourself considering a cash advance, it’s likely a sign of a bigger financial problem. It may be time to align your budgeting and spending habits.

Sullivan says people who take out cash advances are more likely to default on their credit card debt, which is partly the reason why interest rates on cash advances are so high.

You can avoid the need for a credit card cash advance in the first place by planning ahead. It’s best practice to regularly contribute part of your income to an emergency fund, in case you’re faced with any unexpected expenses.

“If your credit is good enough that you have a lot of available credit and you can get a cash advance from your card, then you probably have better options or can access some other form of borrowing that’s going to cost you a lot less,” Sullivan says.

Work With Your Credit Card Issuer

For many people, credit cards can be a source of relief when money gets tight. But credit card debt can also add up quickly and lead to long-term financial problems. If you’re struggling to pay your credit card bill, contact your issuer as soon as possible to discuss your options.

During the coronavirus pandemic, many credit card issuers have been more open to agreeing to flexible payment arrangements, such as deferral of minimum payments, waived late fees, and credit line increases. This can help free up cash for other necessities.

There are also credit card payment plans that may be available on one of your cards. For example, major issuers like American Express, Chase and Citi offer these more flexible financing options on existing credit lines. Some of the perks are lower interest rates and more clearly defined repayment schedules.

Consider a Personal Loan

If you have good credit, getting a personal loan from a bank or a credit union is likely cheaper than a credit card cash advance. Interest rates at credit unions tend to be lower. Research your options and consider talking to a representative to see which personal loan would be best for your financial situation.

Borrow From Friends, Family, or Yourself

It may feel awkward asking relatives or friends or a free or low-interest short-term loan — but it could save you a lot of money in the long run. Know that it’s okay to ask for help, as long as you’re honest about your situation. If you’re not keen on the idea of borrowing from friends or family, you could also look at potentially borrowing from yourself through your 401(k) plan. Under the CARES Act, taking out a 401(k) and paying it back on time isn’t the worst option if it’s done for the right reasons.

How to turn your paypal balance into a debit card you can spend anywhere

Square’s Cash App is a peer-to-peer payment app, like Venmo, that allows you to send and receive money with friends and family, without needing to have cash on hand or even be in the same room. It’s perfect for things like splitting bills, chipping in for party snacks, or just splitting a meal.

When someone sends you money on the Cash App, it lives in the app. If you have a Square Cash Card, you can use it like a debit card and spend your balance anywhere that accepts Visa.

However, if you don’t have a Cash Card, or would simply rather transfer your balance back to your bank account, doing so is very simple, and can even be done instantly if need be.

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How to cash out on Cash App

1. Open the Cash App on your iPhone or Android.

2. Go to the “My Cash” tab by tapping the dollar amount in the middle of your screen.

3. Underneath your balance, tap the button on the left that says “Cash Out.”

4. The “Cash Out” menu will pop up with your full balance amount autoselected for transfer. If you’d like to transfer less, use the touchscreen on your iPhone or Android to type in the amount.

5. Once you’ve decided how much you want to transfer, tap “Cash Out” at the bottom.

6. A pop-up will appear asking how you’d like to deposit the money. If you select “Standard,” the money will take one to three days to appear in your account. If you need the money immediately, you can tap “Instant” for a 25 cent fee.

As you already know, having a PayPal account can be beneficial. However, many people do not have a bank account and this is going to make things difficult. So do you need a bank account? Ultimately no, you don’t need a bank account for PayPal. However, you will face some limitations. For instance, without a bank account it will be very difficult to withdraw money from your PayPal account.

If you’re going to be making money online, you’ll probably want to be able to access that money quickly. Therefore, it’s best to get a bank account and link it to your PayPal account. This will allow you to seamlessly move your money from one to the other.

Can PayPal Be Used Without A Debit Or Credit Card?

Most people have a debit or credit card. Still, there are a few people who do not. If you happen to fit into this category, you’re going to find it much more difficult to take advantage of PayPal and everything it has to offer. In short, you can use PayPal, however, without a credit or debit card, you will not have access to the PayPal Pay feature. Of course, there is one way to solve this problem.

All you have to do is apply for a PayPal credit card. Once you’ve done that, you’ll be able to link the credit card to your PayPal account and begin using these features right away. Just remember that you will need to qualify for the credit card in advance. If you want to use PayPal fully, it is highly recommended that you get a bank account and debit or credit card in advance.

Can You Open A PayPal Account Without Linking Any Of Your Bank Details?

Many people like to keep their bank details private. This is why a lot of people refuse to own a PayPal account. They do not feel comfortable placing their banking information online. This is completely understandable. The good news is that you can own a PayPal account without giving up your banking details. However, this is generally not a good idea. While you can say that you’ll own a PayPal account, you won’t be able to do much with it.

Until you add your bank details, you will not be able to withdraw money from your account. If you don’t add a debit or credit card, you won’t be able to fund the account or use the PayPal Pay feature either. With that being said, it is generally best to go ahead and add this information to your PayPal account. In return, you’ll be able to use the account for a lot more purposes. Otherwise, your PayPal account will pretty much be useless.

TIP: How To Withdraw Money From PayPal Without A Bank Account?

Believe it or not, you can actually withdraw money from your PayPal account without needing a bank account by requesting a check by mail. However, you’re going to need to jump through a few extra hoops. For starters, you’ll need to make sure that your address has been confirmed. Access your account settings and click on the option to Add an Address. Once you’ve done that, you will want to click on the Transfer to your bank option.

It can be found under your PayPal balance. After that, you just need to click on the link that says Request a check by mail instead. Unfortunately, this withdrawal method comes with a few drawbacks. For instance, you’re going to be required to pay a $1.50 fee for each check withdrawal. Simultaneously, all amounts will be converted to United States dollars. You also need to make sure that you deposit or cash the check within a period of 180 days. Otherwise, the money will be returned to your PayPal account. You will lose the check fee.

Finally, this is the slowest way to withdraw your money from PayPal. On average, it can take anywhere from 1 to 2 weeks to obtain your check. If you’re in a hurry and need to access your money right away, you should think about getting a bank account and adding it to your PayPal account.

Can You Use PayPal As A Bank Account?

PayPal is indeed great. It is very convenient and can provide you with an abundance of benefits. However, it should be noted that your PayPal account can never replace your bank account. It lacks too many benefits that you’re going to receive from your bank. For instance, there is always a chance that your account is going to limited. This is more common than you might imagine. Sometimes, limits can last as long as 180 days. This would leave you in a very difficult situation.

At the same time, you should realize that PayPal is not going to provide you with any interest on your money. If you want a yearly dividend for storing your money in a savings account, you’ll want to stick with a local bank. Finally, there are PayPal limits for users who do not link their bank account or credit card. These limits can effectively erase this possibility. It is typically best to have a PayPal account and a bank account.

How Long Does It Take For PayPal To Confirm Bank?

Finally, it is time to find out how long it is going to take for PayPal to confirm your bank account. While it can vary based on each case, it will generally take three days to complete the process. After you log into your account and enter your bank details, the company will make two small deposits into your account. Both amounts will be less than one dollar. You will be required to provide PayPal with the exact amounts. Once you’ve done that, your bank account will be confirmed.

The process is very simple. Remember that you’ll need your bank account number and routing number. Other than that, it is a waiting game. Most people will be able to verify their account in less than 3 days.

How to turn your paypal balance into a debit card you can spend anywhere

You might be familiar with prepaid debit cards in the form of anonymous Visa gift cards that you get through providers like American Express, MasterCard and Visa. You can purchase gift cards anonymously through cash and use them similarly to how you would use digital transactions.

How to use prepaid debit cards anonymous? These cards can be used as regular anonymous prepaid credit card or anonymous debit cards. But, if you want to use it in making online purchases then you’ll have to register it on the website you plan on buying from. Of course, it’s not very practical to do your online shopping with one of these cards. This is because you’ll need to provide personal details like your physical address.

This would defeat the whole point of wanting to remain anonymous. However, debit cards are ideal for purchasing prepaid cellphone services, or when purchasing a VPN subscription like IPVanish.

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