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How does PayPal.Me work?

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PayPal
Fastest Transfer Speed
3 days
Minimum Transfer Amount
$1
Maximum Transfer Amount
$10,000

Summary

Learn how to create a custom link for your PayPal account and what you can use it for.

Pros

  • Fast transfers to other PayPal users.
  • Security.
  • Worldwide network.
  • Free domestic transfers.

In this guide

  • Review
  • Your reviews
  • Ask a question

What is PayPal.Me?

PayPal.Me allows users who have a PayPal account to create a customized link to quickly request payments directly to their PayPal account. It was launched in 2015 to remove the need to give out personal information, like an email address or phone number, and can be customized with preset amounts of money.

What are the benefits?

  • Create a simple, personalized link to share with friends, family, customers, strangers and more.
  • Customize links with the amount of money you want to be paid.
  • Have funds transferred directly to your PayPal account.

What should you watch out for?

  • You can’t change your PayPal.Me link once it’s created.
  • You can only have one PayPal.Me link per PayPal account.
  • There are no tracking features for payments, so you won’t know why or what the money was sent for.

PayPal.Me fees

Because PayPal.Me transactions are the same as PayPal transactions, any fees you’d normally incur from PayPal will be attached to the PayPal.Me transaction.

The following fees apply when sending money to friends and family.

Funding methodDestination countryFees
PayPal balance or linked bank accountUnited States$0
Credit card, debit card or PayPal CreditUnited States2.9% of the transaction amount + $0.30
PayPal balance or linked bank accountAny other country5% of the transaction amount ($0.99 minimum, $4.99 maximum)
Credit card, debit card or PayPal CreditAny other country5% of the transaction amount ($0.99 minimum, $4.99 maximum) + 2.9% of the transaction amount paid using a credit card, debit card or PayPal Credit + a fixed fee based on the currency

Read our PayPal review to learn more about potential PayPal.Me fees

How to use PayPal.Me

Your PayPal.Me link is designed to make requesting payments easier. Signing up requires you to already have a PayPal account or you must be willing to make one. Once you have a PayPal account, follow these steps to create your PayPal.Me link:

  1. Visit PayPal.Me in the web browser of your choice.
  2. Click Create Your PayPal.Me Link.
  3. Log in to your PayPal account.
  4. Enter the text you want for your PayPal link. Remember, this cannot be changed after you set it.
  5. Review your information and agree to the terms, conditions and privacy policy.
  6. Click Agree and Create to finalize your PayPal.Me link.

PayPalMe link sharing options

How to request money through PayPal.Me

Requesting money through PayPal.Me is as easy as sending your custom link to whoever you are requesting money from. There are two types of link you can send to request money:

  • https://www.paypal.me/YOURNAME: This will request a payment without a specific payment amount. For example, paypal.me/finder.com will request any amount of money to be sent to the finder.com PayPal account.
  • https://www.paypal.me/YOURNAME/number: Whatever number you place at the end will create a request for that amount of money. For example, paypal.me/finder.com/100 will request $100 to be sent to the finder.com PayPal account.

You can create a PayPal.Me link through the PayPal.Me website or using the link structure above.

How do I pay someone through PayPal.Me?

To make a payment through PayPal.Me, ask the person you want to pay to send you a PayPal.Me link. After you have the link, either paste it into your web browser or click on it if it’s already a hyperlink.

The link will take you to a payment page where you can log in to your PayPal account to complete the payment with your preferred payment method.

PayPal.Me vs. Cashtag

One of the main differences between PayPal’s PayPal.Me feature and Cash App’s Cashtag feature is that PayPal.Me is available in many countries around the world. Cashtag is currently limited to the US and UK only. Other notable differences between the two include:

  • Cashtags can be paid without a Cash App account, while PayPal.Me requires the payer to have a PayPal account.
  • Cashtags charge slightly lower fees for businesses, while PayPal.Me uses the same fee structure as regular PayPal transactions.
  • PayPal.Me links can never be changed. Cash App allows you to change your Cashtag link twice.

How does PayPal compare to other domestic transfer options?

1 - 3 of 3
Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
Cash App
Within minutes
From $0
With this peer-to-peer payment app make payments to your friends and family with no transfer fees within the US or from the US to the UK or EU.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
PayPal
Within minutes
From $0
Use PayPal to safely send money and receive payments from around the world in over 25 currencies with just an email address or mobile number. Try 3 months free of Spotify Premium when you sign up with PayPal.
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Bottom line

PayPal.Me is a convenient way to request money, so long as the person you are requesting money from already has a PayPal account or is willing to create one. These kinds of payments function exactly as other PayPal transactions do and prevent you from having to share any more personal information than the link.

Frequently asked questions

Can you change your PayPal.Me link?

No. Once you’ve created your PayPal.Me link it cannot be changed, and each PayPal account can only have one PayPal.Me link attached to it.

Are purchases made through PayPal.Me protected by PayPal’s buyer and seller protection program?

PayPal.Me operates using the same standards as regular PayPal purchases, so if the purchase in question would be protected when bought through PayPal then it will be protected when bought through a PayPal.Me link.

Is PayPal.Me free to set up?

Yes, but you’ll need a PayPal account to use this feature.

Whether products shown are available to you is subject to individual provider sole approval and discretion in accordance with the eligibility criteria and T&Cs on the provider website.

Name Product Filter Values Fastest Transfer Speed Fees (Pay by Bank Transfer)
OFX International Money Transfers (Business)
24 hours
$0
Business customers: Send safe, no-limit transfers with no fees and competitive exchange rates.
Xe
Within minutes
$4
Xe has fast transfers with low fees and a range of foreign currency tools.
MoneyGram
Within minutes
From $0
MoneyGram has fast cash pick-up transfers to more than 350,000 agent locations worldwide.
Instarem
24 hours
From 0%
New Instarem customers will get a special FX rate and zero-fees on their first transfer.
Instarem offers offers rewards on every transaction.
Xe Money Transfer for Business
24 hours
$0
Save your time and money with Xe Money Transfer for business.
Remitly
Within minutes
From $0
Remitly has quick, affordable transfers around the world, with both express and economy options.
CurrencyTransfer
24 hours
$0
CurrencyTransfer lets you shop around for the best exchange rate on its online marketplace.
WorldRemit - 4free
Within minutes
From $0.99
Use promo code 3FREE and pay no fees on your first 3 transfers. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
OFX
24 hours
$0
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
PayPal (business)
Within minutes
$0
Provides business solutions for small business owners in over 24 currencies worldwide. Try 3 months free of Spotify Premium when you sign up with PayPal.
Wise (TransferWise) International Money Transfers Business
Within minutes
From $8.16
Enjoy high maximum transfers into more than 20 currencies, while saving up to 90% over local banks.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
Wise (TransferWise)
Within minutes
From 0.41%
Wise uses the mid-market rate and transparent fees to help you send money in 45+ currencies.
CurrencyTransfer for Business
24 hours
$0
Increase business efficiency with zero transaction fees and same-day transfers.