PayPal and your debit card

Linking your card can save you time on online purchases.

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By linking your PayPal account to your debit card, credit card or bank account, you can pay for your online purchases and send quick and convenient international money transfers without entering your card or account information each time.

How does PayPal work?

PayPal’s online payments system allows you to send and receive money online from almost anywhere in the world. It uses encryption software to help users send electronic money transfers to other PayPal customers, allowing you to instantly pay for purchases online and on your phone.

There are three ways you can add money or pay for purchases through your PayPal account:

  • Using your PayPal balance. This is always the first option when buying something online.
  • Using your bank account. You can link your checking account to your PayPal account to pay for purchases online.
  • Using your credit or debit card. You can also add money to PayPal from your debit card or credit card.

How do I link my debit card to my PayPal account?

To add a new debit card:

  1. Log in to your PayPal account with your email address and password.
  2. Click the Wallet link near the top of the page.
  3. Click on Link a card
  4. Enter your card number, type, expiration date, CVV and billing address. For Visa Debit cards, select Visa.
  5. Click Link card.

Confirm your debit card with a PayPal code

In some cases, you may need to confirm your card with PayPal by requesting a PayPal code. To do this you will need to:

  1. Log in to your account
  2. Click Wallet followed by selecting the card you want to confirm.
  3. Click the Confirm your card link.
  4. Read the directions for confirming the small charge from PayPal on your card (which will be refunded after you confirm), and then click Get a code.
  5. It should take about 3-5 business days for the $2.45 temporary charge to be applied to your card.
  6. After you see the charge, navigate back to your Wallet and then to the card that needs to be confirmed. Enter the 4-digit code that appeared on your bank statement or transaction history along with the $2.45 charge from PayPal and click Confirm.

You can now add money to PayPal from your debit card.

How do I link my credit card to PayPal?

Linking a credit card to PayPal works exactly like linking a debit card. Follow the steps above to link your Visa, American Express, or Mastercard.

How can I remove a debit or credit card from my PayPal account?

If you no longer want your debit card to be linked to your PayPal account:

  1. Log in to your PayPal account with your email address and password.
  2. Click the Wallet link near the top of the page.
  3. Click the card you’d like to remove and then click Remove card, which is near the bottom of the page.
  4. Click Remove this card.

Bottom line

PayPal allows you to link your credit card, debit card or bank account directly so that you can easily spend your money online without entering your card or account information for each purchase. But to make your money even more accessible, compare chequing accounts to find one that offers online banking, good customer service and money management options that fit your needs.

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