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PayPal Basics for Buyers

PayPal is the easiest and safest way to pay on eBay! eBay buyers can pay for their items with a credit card or chequing account simply by clicking the "Pay Now" button on a listing they've won, or by clicking a link in a PayPal Money Request email.

PayPal, an eBay company, enables any business or consumer with an email address to send and receive online payments.

PayPal transactions are safe and secure. With PayPal, buying on the Internet is more convenient and cost-effective than ever before.

Who Can Use PayPal

If you live in one of PayPal's supported countries you may use PayPal to pay for an item.

Buyers in any of the supported countries may use a credit card to pay for an item. Payments funded with a local bank account are available to members in selected countries, including Canada and the United States. All members may make a payment using a Canadian bank account denominated in Canadian currency.

When You Can Use PayPal

If your eBay item offers PayPal as a payment method, you will be able to use PayPal to pay for the item online using your credit card or bank account.

Even if an item on eBay is not originally listed with the PayPal payment option, the seller can later sign up for the service and allow you to pay online. However, you should ask your seller about PayPal before bidding and respect the payment methods offered.

You can also use PayPal to pay for any item for which your seller sends you a PayPal Money Request or Auction Invoice.

No Fees to Send Money

There is no fee to send a payment using PayPal. The seller is charged a small transaction fee. An exchange rate may apply to Multiple Currency transactions. For full details on PayPal's fees, see the fees page.

Bank Transfers

You may make a PayPal payment using funds from your bank account, simply by entering the information from the bottom of a cheque and completing PayPal's easy Confirm Your Bank Account process. Funds will be directly transferred from your bank account (chequing or savings). With an Instant Transfer, the money is instantly credited to the recipient's PayPal account. To use Instant Transfer, PayPal requires that you have a back up funding source registered, such as a credit card. If you do not have a back up funding source registered with PayPal, you can use an eCheck. With an eCheck, and the seller will be notified once the transfer clears (within 5-7 business days).

Security and Privacy

All of your private information is sent to PayPal using Secure Sockets Layer (SSL), the Internet encryption standard for secure commerce transactions. Internally, PayPal adheres to the high standards of security necessary to safeguard your information and protect your payments.

In addition, PayPal protects your privacy and does not sell or share any of your personal information. We will only disclose your account or transaction information to third parties in the following ways:

  • To other PayPal members: Information such as your name, email address, date of sign-up and Verification status is available to other users. When sending a PayPal payment, you may choose to reveal your shipping address to the recipient. We never reveal your financial information to other PayPal members, unless it is required by law.
  • To card authorization and fraud screening services: If you add a credit card or debit card to your PayPal account, we use these services to verify your card information.
  • Companies with whom we jointly offer products: If you sign up for a co-branded version of PayPal, we share only the minimum required information to enhance integration between our two services.
  • We may disclose information during the investigation of fraud or illegal act.

To find out more about how PayPal protects your privacy, please visit the PayPal Privacy Policy.

Read the PayPal User Agreement

View the PayPal User Agreement. You can also view the User Agreement by clicking the link at the bottom of the PayPal home page.

Sign Up For PayPal

You can sign up for PayPal in less than 3 minutes! Signing up for a PayPal account is easy, and it's free.

Privacy Matters

PayPal is fully committed to protecting the privacy of all of your personal information, as well as information related to your transactions. PayPal does not sell or share any of your personal information.

PayPal only provides the seller with the information necessary to communicate with you effectively and to successfully complete your order. PayPal shows the seller the following information:

  • Name
  • Email Address
  • eBay User ID
  • Shipping Address

PayPal does NOT show the seller your credit card number or your checking account number, and the seller will not need to collect it from you for any reason in order to complete a transaction.

To find out more about how PayPal safeguards your privacy, please visit the PayPal Privacy Policy.

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