A list of online stores that accept PayPal in the UK

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Where can I use PayPal Pay in 3 or PayPal Credit?

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.

Warning: Late repayments can cause you serious money problems. For help, contact MoneyHelper.

Fashion

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

Food and drink

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

Department stores

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

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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

What is PayPal?

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.

How does PayPal work?

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!

What is PayPal Pay in 3?

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.

Warning: Late repayments can cause you serious money problems. For help, contact MoneyHelper.

Is PayPal safe?

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.

Is there a PayPal fee for using the service?

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:

Paying for purchased items: free
Receiving payments from a purchase: fees apply
Sending money to friends and family: free
Receiving money (from friends or family): free
International payments: exchange rate fees apply if there is a currency conversion
Currency conversion: fees apply

There are also fees attached with certain types of transaction, such as if you are buying or selling cryptocurrencies. Find out more.

How do I get PayPal?

Getting a PayPal account is easy. Go to the website, click the Sign Up to PayPal.

How do I pay through PayPal using a credit card?

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.

Is there a limit to how much I can buy using PayPal?

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.

What is the processing time for PayPal?

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.

Does PayPal have offers?

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.

PayPal pros and cons

Pros

Highly secure
Free to set up new account
Millions of users and stores around the world

Cons

Transaction fees can be high, particularly when transferring large amounts
Disputes can be protracted and complex

Aside from online shops, what else can I use PayPal for?

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.

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Does Morrisons accept PayPal?

No. Although the popular supermarket chain previously did accept PayPal, as of 21 August 2019 it’s no longer an accepted payment method.

10 Responses

SueOctober 7, 2019

Do PayPal credit increase your limit after a certain time?

Finder

CharisseOctober 8, 2019Finder

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

LindaMay 11, 2019

How do i use PayPal Credit to transfer money to another persons bank account plz & is it poss ?????

Finder

BellaMay 12, 2019Finder

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

NicolaMay 7, 2019

Hi I took PayPal credit to pay my holiday balance to a family member but it won’t work, can you help?

Finder

JhezMay 8, 2019Finder

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

KatherineJanuary 23, 2019

Why can’t I use my PayPal credit on any site? It doesn’t give the option

Finder

ValJanuary 25, 2019Finder

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

JohnDecember 21, 2018

What do I have to do to be able to see what sites accept pay pal I store?

Finder

JoshuaDecember 23, 2018Finder

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

Which online stores accept PayPal?

PayPal is one of the internet's most popular and convenient ways to pay for online shopping.

Where can I use PayPal Pay in 3 or PayPal Credit?