Which online stores accept PayPal in 2026?

If you’re a regular online shopper, then chances are you’ve used PayPal. It’s a quick and easy way to send and receive money using an email address and your credit card, debit card or bank account.

Accepted around the world, people use PayPal to pay for goods in a variety of currencies. Transition seamlessly between euros, pounds, dollars and more than a dozen other currencies for a small transaction fee. The platform even provides valuable security options like buyer’s protection. You may wish to consider cash advance alternatives to PayPal as well.

What is PayPal?

PayPal is an online payment system, originally created as an electronic alternative to checks and money orders in 1999. Today, the platform boasts more than 240 million active users in 190 countries and is accepted by millions of businesses around the world. It operates as a payment processor for many online retailers, offering perks like one-click transactions and password memory.

How does PayPal work?

PayPal acts as a middleman for payments between two parties with registered accounts. It’s fast and easy to send payments to an individual or retailer without sharing personal details or banking information. All you need is the email address of the person you’re sending money to. If you’re using PayPal to make a purchase online, select the PayPal button at checkout and log in to your account to complete your order quickly.

Which currencies does PayPal support?

You can use your PayPal account to seamlessly complete purchases between multiple currencies. Check out this list of compatible currencies to see if yours is offered:

*This currency is only supported as a payment currency and a currency balance for in-country PayPal accounts.
**This currency does not support decimal amounts.

Does PayPal accept cryptocurrency?

Yes! You can use PayPal’s Checkout with Crypto feature, which allows you to convert cryptocurrency holdings to fiat currency at checkout with no additional transactional fees. The option will appear in your PayPal wallet if you have enough funds to cover the purchase.

Is PayPal safe?

PayPal is generally a safe place to send and receive money. PayPal automatically encrypts confidential information sent to or from your computer using industry-standard SSL encryption. Security experts still recommend taking measures to protect your account, like enabling two-factor authentication and using a unique and secure password. Making a purchase using PayPal is arguably safer than placing your order directly through the merchant, since the recipient never has access to your financial information.

You can feel extra secure shopping with PayPal thanks to its online purchase protection program. If an item you ordered never arrives or isn’t what you expected, PayPal arranges for your money to be refunded. This should give you some extra peace of mind when shopping online.

Is there a fee for using PayPal?

It’s free to create a PayPal account and use it to make purchases online at retailers that accept PayPal. However, there are a few fees you may encounter:

• Sellers’ fees. If you use PayPal to accept payments, you’ll be charged a fee of 2.9% of the transaction amount plus $0.30 per transaction.
• Transfer fees. Sending money from your PayPal balance to your checking account is free, but if you want to instantly send funds to your debit card, you’ll pay a $0.25 fee per transfer.
• Person-to-person transfers within US. It’s free to send money for personal reasons from your PayPal balance or linked banked account. However, credit and debit card transactions are subject to a 2.9% fee.
• Transfers to Canada or Europe. If you need to send money to someone with a Canadian or European PayPal account, you’ll pay a fee of $2.99. You’re still on the hook for an additional 2.9% credit and debit card payment fee if you don’t pay with your PayPal balance or checking account.
• Transfers to other international locations. To send money anywhere except the US, Canada or European country you’ll pay $4.99. You’ll still have to pay the additional 2.9% credit and debit card payment fee if you don’t use your PayPal balance or checking account to pay.
• Currency conversion fees. If you’re shopping between two currencies, you’ll have to pay a flat-rate conversion fee.

• Current fixed PayPal fees for sending funds in other currencies

  Australian dollar	0.30 AUD
  Brazilian real	0.60 BRL
  Canadian dollar	0.30 CAD
  Czech koruna	10 CZK
  Danish krone	2.60 DKK
  Euro	0.35 EUR
  Hong Kong dollar	2.35 HKD
  Hungarian forint	90 HUF
  Israeli shekel	1.20 ILS
  Japanese yen	40 JPY
  Malaysian ringgit	2 MYR
  Mexican peso	4 MXN
  New Zealand dollar	0.45 NZD
  Norwegian krone	2.80 NOK
  Philippine peso	15 PHP
  Polish zloty	1.35 PLN
  Russian ruble	10 RUB
  Singapore dollar	0.50 SGD
  Swedish krona	3.25 SEK
  Swiss franc	0.55 CHF
  Taiwan new dollar	10 TWD
  UK pounds sterling	11 THB
  UK pounds sterling	0.20 GBP
  US dollar	0.30 USD

How do I create a PayPal account?

You can create a PayPal account on your desktop or mobile.

Creating an account on your computer

1. Visit the PayPal site to get started. Select Sign Up in the right-hand corner.
2. Choose between a personal account and a business account. Unless you plan to accept payments for your business through PayPal, you should choose a personal account. But don’t worry, you can always change your mind later.
3. Fill in your personal information and follow the prompts to finish signing up.

Creating an account on your phone

1. To begin, download the PayPal app. The PayPal app is available for both iOS and Android.
2. Once the PayPal app has downloaded, open it. Tap Sign Up on the bottom right-hand corner to get started.
3. Enter your personal information and follow directions to complete signup.

Why can’t I create an account?

Make sure you’re using your legal first and last name when you sign up — no pseudonyms allowed. If you’re still having trouble signing up, contact PayPal directly for assistance.

How do you pay through PayPal using a credit card?

When you create your PayPal account, you’re given the option to link your credit and debit cards to your account. You can also link your bank accounts directly to avoid paying additional fees. When you transfer money or make a payment, choose to pay from one of your cards or through your bank account.

What are PayPal coupons?

Like other online stores, PayPal occasionally offers extra savings through coupons. You’ll also find signup deals for new customers — you could save $10 or more off your first purchase through PayPal by using a PayPal promo code.

What stores accept PayPal 4 in 4?

Use PayPal’s buy now, pay later solution, called PayPal 4 in 4, wherever PayPal is accepted at checkout. Millions of stores, including Best Buy, Bose and Vineyard Vines, to name a few, accept the interest-free financing option.

Why should I choose PayPal?

Other buy now, pay later solutions

If PayPal isn’t the right option for you, consider other buy now, pay later solutions that better suit your financial needs. For example, you might consider these options:

• Afterpay
• Sezzle
• Affirm
• Perpay

Compare cash advance alternatives to PayPal:

Select your desired apps, and select “Compare” to check out their features side-by-side.

Updated regularly

Finder Score	Max. amount per pay period	Turnaround time	Costs
Promoted 9.5 Excellent EarnIn	9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1–2 business days standard; minutes with Lightning Speed	Free to use or within minutes with a fee as low as $3.99 per transfer	Access up to $150 per day, with a max of $1000 between paydays. Not available to CT or Washington, D.C. residents. Subject to EarnIn terms & conditions.	Important information EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.	Go to siteView details Compare product selection Compare	loading
Promoted 8.2 Great Cleo	8.2 Great	$20 to $250	3 to 4 days or instant for a fee.	$5.99 monthly membership fee to access cash advances	Automatically monitor your spending plus access cash advances up to $100 at a time.	Go to siteView details Compare product selection Compare	loading
Promoted 9.4 Excellent Chime® MyPay®	9.4 Excellent	Up to $500	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)	Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions. MyPay is only offered in select states.	Important information MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings: Chime® Checking Account is required to be eligible for a Savings Account. The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Credit Builder: Based on a representative study conducted by Experian® in Sept 2025, the top 10% of members who made their first purchase with Credit Builder, an earlier version of Chime Card, between April and August 2024, observed a FICO® Score 8 increase of 71 points after approximately 8 months. Average increase of 28 points across all participants in the study. Credit score improvement not guaranteed. Paying on time may increase your score, while late payment may decrease your score. Other credit activity can impact your score. Credit score is one of many factors creditors may consider in evaluating credit applications.	Go to siteView details Compare product selection Compare	loading
9.4 Excellent Varo Cash Advance	9.4 Excellent	Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	Instant, once qualified	No membership fees, Flat Fees of $1.60 to $100	Important information Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $700 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.	Go to siteView details Compare product selection Compare	loading
9.4 Excellent OppLoans Installment Loans	9.4 Excellent	$500 to $5,000	As soon as the same business day	129% - 195% APR	Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WV. Comes with the option to change your due date so you won’t fall behind on repayments.	Important information The advertised APR is an estimate based on currently available information, is not final, and is subject to change. If approved, your actual rate will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Applications submitted on the OppLoans platform will be originated by one of our bank partners and serviced by OppLoans. Please see the Rates and Terms for details regarding the availability of products in your state of residence. Subject to credit approval and verification. Actual approved loan amount and terms are dependent on our bank partners’ standard underwriting guidelines and credit policies. Funds may be deposited for delivery to your bank via ACH as soon as the same business day if verification is completed and final approval occurs before 12:00 PM CT on a business day. If approval occurs after 12:00 PM CT on a business day or on a non-business day, funds may be delivered as soon as the next business day. Availability of the funds is dependent on how quickly your bank processes the transaction. Installment loan amounts typically range from $500 to $5,000. Annual percentage rate (APR) ranges from 129% to 195%. Installment loan lengths range from 9 to 18 months. Example: A $2,000 installment loan repayable in 9 monthly payments with an APR of 160% would have monthly payments of $394.58. Loan amount, APR, and repayment terms may vary by state, please see https://www.opploans.com/rates-and-terms for additional information. Approval is not guaranteed. If approved, your actual rate will fall within the marketed range of rates, and will be determined and assigned based on your creditworthiness, income, application information, and other relevant factors. Not all applicants will qualify for the lowest available rates. This is an expensive form of credit and you should determine whether the offered product(s) meets your financial needs. OppLoans’ Bank Partners may use credit report information provided by Clarity Services and Experian as part of the application process to determine your creditworthiness. The credit inquiry will appear as a soft credit inquiry on your Experian credit report and a hard credit inquiry on your Clarity report. Therefore it will not affect your FICO credit score. OppLoans and its Bank Partners report customer payment history to the three major credit bureaus. On-time payments may improve credit score.	Go to siteView details Compare product selection Compare	loading
8.8 Great Albert Instant	8.8 Great	$25 to $1,000	Within minutes	No subscription required	Advance up to $1,000 in minutes with Albert Instant.	Important information Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.	Go to siteView details Compare product selection Compare	loading

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Bottom line

If you’re wary about shopping online, PayPal is one of the safest ways to pay. It makes shopping more convenient with a quick log in and payment without entering your credit card every time.

Written by

Gabrielle Pastorek

Publisher, Banking, Investing & Credit Cards

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Gabrielle Pastorek is an SEO strategist and publisher at Finder, specializing in banking, investing and credit cards. She's written more than 800 articles on the site and is a quoted expert in Best Company, HuffPost, Reader's Digest, MSN and MarketWatch. She's secured interviews with key stakeholders in the consumer insights industry, including a senior director at the National Retail Federation. Gabrielle has edited several creative manuscripts and holds an MFA from the University of Pittsburgh and BAs in English and French from Ohio University. See full bio