Send and Receive Money with PayPal's Mobile App

A customer pays via his mobile phone
••• KNSY / Getty Images

PayPal's mobile app for Android or iPhone helps you keep your financial information private while letting you securely pay online or send and receive money. PayPal offers three kinds of mobile apps:

  • Personal: The PayPal App lets you send and receive cash
  • Business: The PayPal Business App helps you monitor your business account and send invoices
  • Mobile Point of Sale: The PayPal Here App provides a way to accept credit cards and even touchless payments like Apple Pay with your phone or tablet

Android users can use Google Pay to tap and pay in stores using their PayPal balance.

Since launching in 1999, PayPal has grown into an online payment system used by millions of people around the world. The company also offers a protection plan that will reimburse you for the purchase price and shipping if a PayPal purchase doesn't arrive as specified.

Send and Receive Money With the PayPal Mobile App

As with any other payment app, you can send and receive money using just your phone. There's no fee to send or receive payments to and from your friends and family; just enter their phone number or email to send or request payment.

To get started, you'll need to open a PayPal account if you don't already have one. Link your bank account and you'll be ready to send or accept payments. You can even use your PayPal account to chip in to Money Pools, which are group funds, or donate to charitable causes right within the app. You can also use PayPal to send money abroad.

Shop and Pay Online With Your PayPal Account

You can shop and pay online without using a credit card if you have a PayPal account. All you need to do is use your PayPal information at checkout instead of entering your credit card information; the money can then be withdrawn from your linked bank account. You can use your mobile PayPal app to track your purchases or change your PayPal payment settings.

Connect Your PayPal Account to Use Google Pay

If you have an Android phone, you can use PayPal to pay in stores through contactless (also known as NFC) technology—just tap your Google Pay-enabled phone at the payment terminal when you check out. You'll first need to set up your Google Pay (formerly Google Wallet) account to use your PayPal account as a payment source. You can pay this way anywhere that accepts Mastercard Contactless Payments.

You can't use PayPal as a payment source in ApplePay for iOS phones and tablets, however.

Use the PayPal Cash Card to Pay in Stores

Although PayPal no longer supports its advance-checkout feature inside the mobile app, it does offer a very simple way to use PayPal to pay in stores: the PayPal Cash Card, which is Mastercard branded. With this simple debit card you can shop in-person anywhere Mastercard is accepted, then track all your purchases from your phone. You can use your PayPal balance with this card to pay for purchases.

PayPal also offers credit cards, including a 2% cashback card, as well as a digital line of credit for financing larger purchases (over $99) over six months.

Manage Your PayPal Account With the App

The PayPal app lets you access your account from your iPhone or Android phone at any time. You can check the balance of your account and transfer funds to and from your attached checking or savings account or credit and debit cards. You can also view a history of your transactions, whether they were completed with the app or online.

Cost to Use the PayPal App

Using the app is free in most instances. Buying online or in stores will cost you nothing. Sending and receiving money directly from or to a PayPal account is free, but if you want to use a credit or debit card for these transactions, it will set you back 2.9% plus 30 cents per transaction. The person sending the funds can decide whether they are going to absorb the fee or if they will pass it on to the person receiving the funds. International transactions have higher yet still tolerable fees, which you can find on PayPal's fee statement.

Article Sources

  1. PayPal. “From Everyday Purchases to Running a Business—We’ve Got an App for You.” Accessed Aug. 3, 2020.

  2. PayPal. “PayPal Transaction Volume Doubles to $2 Billion.” Accessed Aug. 3, 2020.

  3. PayPal. “Where Can I Use Paypal With Google Pay?” Accessed Aug. 3, 2020.

  4. PayPal. “Explore Our Credit Cards, Debit Cards, Prepaid Cards and Paypal Credit.” Accessed Aug. 3, 2020.

  5. PayPal. “PayPal Fees Are Always Fair.” Accessed Aug. 3, 2020.