
£5 off £45 spend for new customers
New to Iceland? Use this discount code at the checkout to get £5 off your order of £45 or more! T&Cs apply.
£5 off £45 spend for new customers
New to Iceland? Use this discount code at the checkout to get £5 off your order of £45 or more! T&Cs apply.
boohoo athleisure: 70% off
Keep comfy while looking cool with boohoo's athleisure collection now at 70% off. T&Cs apply.
PayPal’s Pay in 3 buy now, pay later (BNPL) service is available on purchases of £30–£2,000. PayPal Credit is like a credit card, but it’s effectively a credit limit attached to your usual PayPal account. So unfortunately, you can’t simply use it anywhere that takes credit cards. PayPal Credit is a finance product, with a 0% interest-free period and a late fee. Rep 21.9% APR (variable).
We’re compiling a list of stores accepting the different services.
Store | ![]() | ![]() | ![]() |
---|---|---|---|
AccessorizeFashion Jewellery Home and garden | |||
Ann SummersFashion | |||
ASOSFashion | |||
Baker RossFashion Kids Entertainment | |||
BodenFashion | |||
BombinateFashion Home and garden | |||
boohooFashion | |||
boohooMANFashion | |||
Boux AvenueFashion | |||
Cath KidstonFashion | |||
Charles TyrwhittFashion Home and garden | |||
Circle FashionFashion | |||
Claire'sFashion Beauty | |||
ClarksFashion | |||
Fat FaceFashion | |||
GAPFashion | |||
In The StyleFashion | |||
JoulesFashion Kids | |||
Little MistressFashion | |||
Marks & SpencerFashion | |||
Nasty GalFashion | |||
New LookFashion | |||
OfficeFashion | |||
PrettyLittleThingFashion | |||
River IslandFashion | |||
SchuhFashion | |||
shopDisneyFashion Kids | |||
Ted BakerFashion | |||
Urban OutfittersFashion | |||
Very.co.ukTech Department Store Fashion Jewellery Kids |
Store | ![]() | ![]() | ![]() |
---|---|---|---|
AmazonDepartment Store Home and garden Sports/outdoors Tech Supermarket | |||
ArgosFood and drink Department Store | |||
ASDASupermarket | |||
Balance MealsFood and drink | |||
Beer HawkFood and drink | |||
Chocolate Trading CoFood and drink | |||
IcelandFood and drink Supermarket | |||
MorrisonsSupermarket | |||
OcadoSupermarket Food and drink | |||
Sainsbury’sSupermarket | |||
TescoSupermarket Home and garden |
Store | ![]() | ![]() | ![]() |
---|---|---|---|
AmazonDepartment Store Home and garden Sports/outdoors Tech Supermarket | |||
ArgosFood and drink Department Store | |||
BonanzaDepartment Store Online marketplaces | |||
CurrysDepartment Store | |||
DebenhamsDepartment Store | |||
House of FraserDepartment Store | |||
Ideal WorldDepartment Store | |||
John Lewis & PartnersDepartment Store | |||
Very.co.ukTech Department Store Fashion Jewellery Kids |
Store | ![]() | ![]() | ![]() |
---|---|---|---|
AcerTech | |||
AccessorizeFashion Jewellery Home and garden | |||
adidasSports/outdoors | |||
allbeautyBeauty | |||
AmazonDepartment Store Home and garden Sports/outdoors Tech Supermarket | |||
American GolfSports/outdoors | |||
Ann SummersFashion | |||
AO.comHome and garden | |||
Appleyard FlowersGifts and flowers | |||
Appliances DirectHome and garden | |||
ArgentoJewellery | |||
ArgosFood and drink Department Store | |||
ASDASupermarket | |||
ASOSFashion | |||
Aurelia SkincareBeauty | |||
Awesome BooksEntertainment | |||
B&QHome and garden | |||
Baker RossFashion Kids Entertainment | |||
Balance MealsFood and drink | |||
Bedeck HomeHome and garden | |||
Beauty BayBeauty | |||
Beauty ExpertBeauty | |||
Beauty WorksBeauty | |||
Beer HawkFood and drink | |||
Benefit CosmeticsBeauty | |||
Bensons for BedsHome and garden | |||
Better World BooksEntertainment | |||
BlacksSports/outdoors | |||
Bloom BoxGifts and flowers | |||
BodenFashion | |||
Bodybuilding UKSports/outdoors | |||
BombinateFashion Home and garden | |||
BonanzaDepartment Store Online marketplaces | |||
boohooFashion | |||
boohooMANFashion | |||
Booking.comTravel | |||
BootsBeauty | |||
BoseTech | |||
Boux AvenueFashion | |||
Bunches.co.ukGifts and flowers | |||
Calendar ClubGifts and flowers | |||
Candles DirectHome and garden | |||
Cath KidstonFashion | |||
Chain Reaction CyclesSports/outdoors | |||
Charles TyrwhittFashion Home and garden | |||
Choice Furniture SuperstoreHome and garden | |||
Circle FashionFashion | |||
Chocolate Trading CoFood and drink | |||
Claire'sFashion Beauty | |||
ClarksFashion | |||
Create and CraftEntertainment | |||
CurrysDepartment Store | |||
DebenhamsDepartment Store | |||
DunelmHome and garden | |||
DysonHome and garden | |||
EbayOnline marketplaces | |||
ESPABeauty | |||
EyekoBeauty | |||
Eve SleepHome and garden | |||
ExpediaTravel | |||
Fat FaceFashion | |||
FeeluniqueBeauty | |||
Fragrance DirectBeauty | |||
FunkypigeonGifts and flowers | |||
GAPFashion | |||
Getting personalGifts and flowers | |||
GLOSSYBOXBeauty | |||
GymsharkSports/outdoors | |||
HobbycraftEntertainment | |||
Hotels.comTravel | |||
House of FraserDepartment Store | |||
Hotel ChocolatGifts and flowers | |||
HQhairBeauty | |||
IcelandFood and drink Supermarket | |||
Ideal WorldDepartment Store | |||
IllamasquaBeauty | |||
In The StyleFashion | |||
John Lewis & PartnersDepartment Store | |||
JoulesFashion Kids | |||
Laptops DirectTech | |||
lastminute.comTravel | |||
Latest in BeautyBeauty | |||
Little MistressFashion | |||
London EyeTravel | |||
LOOKFANTASTICBeauty | |||
MankindBeauty | |||
Marks & SpencerFashion | |||
Mio SkincareBeauty | |||
MuglerBeauty | |||
MorrisonsSupermarket | |||
Nasty GalFashion | |||
New LookFashion | |||
OcadoSupermarket Food and drink | |||
OfficeFashion | |||
PaperchaseGifts and flowers | |||
Perfume ClickBeauty | |||
PlumbworldHome and garden | |||
PrettyLittleThingFashion | |||
PrezzyboxGifts and flowers | |||
Red Letter DaysGifts and flowers | |||
River IslandFashion | |||
SamsungTech | |||
Sainsbury’sSupermarket | |||
SchuhFashion | |||
Scotts of StowHome and garden | |||
Secret EscapesTravel | |||
shopDisneyFashion Kids | |||
Simba SleepHome and garden | |||
Ted BakerFashion | |||
TescoSupermarket Home and garden | |||
TravelodgeTravel | |||
Urban OutfittersFashion | |||
Very.co.ukTech Department Store Fashion Jewellery Kids | |||
Virgin Experience DaysGifts and flowers | |||
Yankee CandlesHome and garden |
If you’re a regular online shopper, chances are you’ve already heard of and used PayPal. If you haven’t, it’s a quick and hassle-free way to send and receive money using an email address and your credit or bank card.
It’s accepted around the world and you can use it to pay for goods in various currencies (you will be charged a conversion rate if it’s not your native currency). It also provides security such as buyers’ protection.
PayPal acts as a middleman for payments between 2 parties with registered accounts. It’s quick and easy, and money can be sent to a person without the need to share personal details or banking information. All you need is the email address of the person you’re sending money to. Simple!
PayPal has a BNPL option for you to split the cost of an item into 3 instalments at the checkout when you shop at the websites listed above. The plan lasts 2 months in total, with the first payment taken at the time of purchase (you can choose to settle the full amount before 2 months). You can use this service for purchases costing from £30 to £2,000. Find out more in our full PayPal Pay in 3 review.
PayPal’s Pay in 3 used to charge late fees for missing a payment, but these were scrapped at the end of September 2021. However, it’s crucial you ensure you can afford the repayments. Payments are taken automatically and there’s no way to pause, suspend or withdraw from the service once you’ve agreed to its terms. PayPal reports how you’re managing your account to credit reference agencies, so if you miss payments, you could damage your credit rating in the future.
Pay in 3 could be a good way to spread costs for more expensive items and manage your budget, but it’s crucial you’re able to make the repayments.
Some shops with Pay in 3 include ASOS, Marks and Spencer, Screwfix and George at ASDA.
PayPal is generally a safe place to send and receive money. It will automatically encrypt any confidential information sent to or from your computer using the Secure Sockets Layer (SSL) protocol, with an encryption key length of 128 bits, the highest level available. Despite this strength, you should do the usual checks when protecting your financial information, including not writing down important numbers or passwords and ensuring that your passwords are strong.
Scammers may try to hack into your PayPal account by sending you emails stating you’ve made a purchase you haven’t made. If you notice anything strange, log in to PayPal normally (not via a link in the email) to check your account hasn’t been compromised.
There is no fee for opening an account with PayPal, but there are fees for certain types of payments. Here’s what’s free and what you have to pay for in the UK:
There are also fees attached with certain types of transaction, such as if you are buying or selling cryptocurrencies. Find out more.
Getting a PayPal account is easy. Go to the website, click the Sign Up to PayPal.
When creating your PayPal account, you will be given the option to link your credit or debit card to your account. This has the benefit of allowing you to transfer larger sums of money or to withdraw sent money to a nominated bank account. Once you’ve linked your cards to your account, whenever you transfer money or make a payment, you will be given the option of paying from one of your cards.
It’s worth remembering that normally when you pay for an item costing more than £100 using your credit card, you get extra protection under section 75 of the Consumer Credit Act. For a long time, there was a grey area about whether using your credit card with PayPal meant you lost this protection.
But in a key ruling by the Financial Ombudsman revealed in January 2022, a consumer was able to use this extra protection to get a refund from his credit card provider for faulty goods because he’d used PayPal’s guest checkout – in other words, PayPal was simply processing the payment. If he’d paid using his PayPal account, drawing on his credit card, he would have lost the right to get a refund from his credit card company.
The easiest way to ensure you have section 75 protection on credit card purchases over £100 is to log out of your PayPal account and pay as a guest. This will cut out PayPal as the middleman and show there’s a direct link between your credit card and your purchase.
If your account has been verified, there is no limit on the total amount of money you can send, although there is a single transaction limit. You’ll be given the option to verify your PayPal account during set-up.
Once sent, PayPal funds are typically received within 2–3 days, although this will be much quicker for verified accounts. If you use PayPal to sell or purchase items, the transaction will appear immediately on your account. For international transfers or large amounts, expect to wait up to 21 days for the funds to become available.
Yes, from time to time PayPal has exclusive offers for new customers or limited-time deals for PayPal Credit customers. View the latest offers on the PayPal website.
Its primary use may be paying for goods and services, but PayPal has other uses, including transferring money to friends and family or transferring money internationally.
No. Although the popular supermarket chain previously did accept PayPal, as of 21 August 2019 it’s no longer an accepted payment method.
Find out how to spread your purchases over 3, 6 or 12 months with Monzo Flex.
Read more…Report suggests buy now, pay later regulation could be ditched
Read more…Klarna will start charging UK customers for late payments from March 2023.
Read more…Payment platform Square enters the buy now, pay later market with Clearpay.
Read more…Virgin Money is offering eligible customers to “buy now, pay better on terms that work for them” with its new credit card product, Slyce.
Read more…Discover all the best Black Friday iPhone deals. See which retailers are discounting iPhones this Black Friday and Cyber Monday.
The fifth PlayStation console launched in the UK on 19 November 2020. We’ve rounded up all the places you can buy the PS5 in the UK.
Across the UK shoppers are expected to spend an estimated £6 billion on Black Friday this year, which is an increase of £400 million on 2019’s estimated figure of £5.6 billion.
Discover the latest Joe Browns Black Friday deals, discounts and sales right here and save on your next Joe Browns order.
Buy now and pay later at these top 8 online retailers partnered with Clearpay. Shop fashion, beauty, homewares and more.
According to research from Finder, Brits who shop at duty free could be spending up to 150% more than if they were to spend with online retailers.
Looking to score a bargain on a new laptop this Boxing Day? Check out the best deals and discounts here and save on Acer, Samsung, HP, Dell and Apple!
Looking for the best deals at Reiss this Black Friday? Check out all our best money saving tips, discount codes and promotions right here!
Looking for a new mattress? Check out Simba Sleep and score a great saving today with our latest Simba discount codes and vouchers.
We’ve put together a helpful guide on buying a brand new laptop on Black Friday. It includes the best deals on offer as well as what you need to consider to get the best laptop for your needs.
Do PayPal credit increase your limit after a certain time?
Hi Sue,
Thanks for reaching out to Finder.
Yes. Paypal regularly reviews your credit line and may invite you to increase your limit, once you’ve had PayPal Credit for at least 3 months.
I hope this helps.
Cheers,
Charisse
How do i use PayPal Credit to transfer money to another persons bank account plz & is it poss ?????
Hi Linda,
Thanks for your inquiry.
Unfortunately, it is not possible to transfer money from Paypal account to a bank account. Please note that the transfers are only happening within the system (Paypal to Paypal account).
I hope this clarifies.
Kind regards,
Bella
Hi I took PayPal credit to pay my holiday balance to a family member but it won’t work, can you help?
Hello Nicola,
Thank you for your comment.
I am sorry to hear about the unsuccessful PayPal credit use. Usually, you will receive an email with more information about why your PayPal Credit was unsuccessful. If you applied during check out and get declined for PayPal Credit, you can still use PayPal to check out securely using your debit or credit card.
If you wish to re-apply for PayPal credit, you have 35 days after your last application to do it. You may call the PayPal Credit customer service team to for further details.
Regards,
Jhezelyn
Why can’t I use my PayPal credit on any site? It doesn’t give the option
Hi Katherine,
Thank you for leaving a question. Have you just created a PayPal account? If yes then you might need to contact customer support with PayPal to check if you have completed all the necessary information for PayPal credit. You no, then an option should show at check out to use PayPal credit.
It may be a good option to seek help from PayPal support directly if you have used PayPal credit in the past.
Hope this helps,
Cheers,
Val
What do I have to do to be able to see what sites accept pay pal I store?
Hi John,
Thanks for getting in touch with finder. I hope all is well with you. :)
On this page, you would be able to see a list of stores that accept PayPal payments. Another way for you to know is once you are in a specific website, it would show you an image of PayPal upon checkout. Moreover, you can ask directly an online store.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua