Which online stores accept PayPal in 2025?

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	bullet point infobox
Promoted Finder score 9.5 Excellent EarnIn	Finder score 9.5 Excellent	Up to $150/day, with a max of $1000 between paydays	1 to 2 business days or within 30 minutes for a fee	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. Subject to EarnIn terms & conditions.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent Chime MyPay®	Finder score 9.4 Excellent	Up to $500	Within 24 hours or $2 for instant transfers	No subscription fees	Plus access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.	Go to siteView details Compare product selection Compare	loading
Promoted Finder score 9.4 Excellent OppLoans Installment Loans	Finder score 9.4 Excellent	$500 to $5,000	As soon as the same business day	160% - 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.	Go to siteView details Compare product selection Compare	loading
Finder score 9.1 Excellent CreditNinja Installment loan	Finder score 9.1 Excellent	$300 to $5,000	1 to 2 business days	APRs over 36% plus fees	Not available in: AK, CO, CT, FL, GA, IL, IA, KY, ME, MD, MA, MT, NV, NH, NJ, NM, NY, NC, ND, OR, VT, VA, WA, WV. Fast online funding up to $5K, but you won't know about rates and terms until after you apply.	Go to siteView details Compare product selection Compare	loading
Finder score 8.7 Great Current	Finder score 8.7 Great	$50 to $750	Up to 3 days or within an hour for a fee	Free	Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.	Go to siteView details Compare product selection Compare	loading
Finder score 8.2 Great Cleo	Finder score 8.2 Great	Up 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

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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

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