Past Policy Updates
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Past Policy Updates
This page shows important changes that were made to the PayPal service, its User Agreement, or other policies.
*For past policy updates earlier than December 2013, please view this pdf.
*For past policy updates between Jan 2014 and Dec 2018, please view this pdf.
Last updated on 29 August 2024
Notice of Amendment(s) to the Spain PayPal Agreement(s)
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.
Notices
Issued: 8 July 2024
Amendments to the PayPal User Agreement
Effective: 10 October 2024
- We are updating the “Your use (as a seller) of personal data; Data protection laws” section of the PayPal User Agreement to remove any duplicative language and improve clarity.
- We are clarifying that merchants are permitted to share customer personal information provided to them by PayPal with their service providers. We are also asking that merchants acknowledge they have the rights and authorities to share personal data with PayPal. This is a requirement under existing user agreement for merchant to comply with applicable data protection laws.
- We are removing the following documents from the Legal Agreements page: (i) Key Payment and Service Information and (ii) User Agreement Reference Notes. Any references to User Agreement Reference Notes will be deleted from the User Agreement. A pdf version of the Key Payment and Service Information document and User Agreement Reference Notes is available using the links below.
Review the updated User Agreement
Key Payment and Service Information
User Agreement Reference Notes
Amendments to the PayPal Online Payment Services Agreement
Effective: 10 October 2024
- We are changing this agreement to introduce a new service, the SEPA Direct Debit service, which will allow merchants to accept SEPA Direct Debits as a payment method. Consequently, we are renaming this agreement to PayPal Online Payment Services Agreement.
- We are also changing our Merchant fee page to introduce new fees relating to this service.
- We are introducing new terms and fees for Fraud Protection Tools, as an optional additional service.
Review the updated PayPal Online Payment Services Agreement
Review the updated Merchant Fees page
Introduction of PayPal Platform Seller Agreement
Effective: 8 July 2024
- We are launching the PayPal Platform Seller Agreement which can be found on the Legal Agreement(s) page.
Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 8 July 2024
- We are removing the following redundant sentence in section 3: “The additional percentage-based fee for international commercial transactions set out in the User Agreement does not apply when you receive APM Payments”. This information is already covered in the PayPal Merchant Fee page. Removal of this sentence does not change how PayPal charges for APM Payments or additional percentage-based fees for international commercial transactions.
Issued: 29 August 2024
Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 29 August 2024
- We are updating Annex 1 to reflect the terms applicable to Apple Pay and to add Google Pay as a new payment method.
Review the updated PayPal Alternative Payment Methods Agreement
Last updated on 28 March 2024
Notice of Amendment(s) to the Spain PayPal Agreement(s)
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.
Notices
Issued: 28 March 2024
Removal of SOFORT as an alternative payment method and deletion of related terms
Effective: 28 May 2024
- SOFORT is no longer available as an alternative payment method and is removed from the list of alternative payment method providers contained in Annex 1 of the PayPal Alternative Payment Methods Agreement.
Issued: 11 March 2024
Amendments to the Privacy Statement for PayPal Services
Effective 15 April, 2024:
- We are now offering package tracking as part of the PayPal services and we are updating our privacy statement to clarify that we may receive package tracking information from merchants when you Pay with PayPal or from your email when you provide consent.
Issued: 21 February 2024
Amendments to the PayPal User Agreement
Effective 28 May, 2024:
- We are clarifying our Taxes and Information Reporting terms and our currency conversion terms.
- We are making changes to clauses on ‘Indemnification and Limitation of Liability’ and ‘Governing law and Jurisdiction’ to clarify which provisions apply to consumers or non-consumers and to distinguish our liability and warranties in respect of consumers and non-consumers.
Review the updated PayPal User Agreement
Amendments to the PayPal Buyer Protection Program
Effective 28 May, 2024:
- We are revising PayPal’s Buyer Protection Program to exclude Non-Fungible Tokens (NFTs) from eligibility.
- In addition to meeting all other eligibility requirements for PayPal’s Buyer Protection Program, disputes asserting Significantly Not as Described claims must be opened by the buyer in the Resolution Centre within 30 days of the delivery or fulfilment of an order or within 180 days of the date a payment was sent by the buyer to the seller, whichever is sooner. The timeframes for opening other disputes asserting other claim types (including Item Not Received, Unauthorised Transactions, or other errors) are not changing at this time.
Review the updated PayPal Buyer Protection Program
Amendments to the Seller Protection Program
Effective 28 May, 2024:
- We are revising PayPal’s Seller Protection Program to exclude from eligibility Non-Fungible Tokens (NFTs) with a transaction amount of:
- $10,000.01 USD or above (or equivalent value in local currency as calculated at the time of the transaction);
- $10,000.00 USD or below (or equivalent value in local currency as calculated at the time of the transaction), unless the buyer claims it was an Unauthorised Transaction and the transaction meets all other eligibility requirements.
Review the updated PayPal Seller Protection Program
Minor editorial corrections to the Merchant Fee Page
Effective 28 May, 2024:
We are correcting the following typographical errors on the Spanish language version of the Merchant Fee page.
- Deleting the following table entitled “Tarifa adicional porcentual para transacciones comerciales internacionales”:
Ubicación del mercado o la región del remitente | Tarifa |
Canadá y EE. UU. | 2,00% |
Europa I | 0,50% |
Europa II | 2,00% |
Norta de Europa | 0,50% |
Resto del mundo | 2,00% |
This table should have been removed on November 10, 2021 when new fees for international commercial transactions came into effect including the elimination of such fees when the sender and recipient are based in the EEA, and simplifying the market/region country classifications to the EEA, the United Kingdom and “Rest of World”.The correct fee table was published on the Merchant Fee page on November 10, 2021 and also has the title “Tarifa adicional porcentual para transacciones comerciales internacionales”.It was an error not to remove the previous version of the fee table (which is no longer in effect) from the fee page.
We sincerely apologise for any misunderstanding.Please contact us if you have any questions.
Last updated on 12 October 2023
Notice of Amendment(s) to the Spain PayPal Agreement(s)
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.
Notices
Issued: 12 October 2023
Amendments to the PayPal User Agreement
Effective 16 January 2024:
- Pursuant to the EU’s Digital Services Act, we are clarifying how users can complain about content others may create and actions we may take.
- We are clarifying that PayPal may be required to place limitations on your account and/or withhold on certain gross payments received if you do not provide required tax-related information.
Review the updated PayPal User Agreement
Amendments to PayPal’s Seller Protection Program
Effective 16 January 2024:
- We are revising PayPal’s Seller Protection Program to exclude from eligibility:
- Item Not Received claims filed by buyers as chargeback claims with their card issuers for card-funded transactions.
Review the updated Seller Protection Program
Amendments to the PayPal Payouts Terms and Conditions
Effective 16 January 2024:
- The PayPal Payouts Terms and Conditions are being updated to clarify existing product functionality, including:
- Eligibility requirements for recipients of payouts to successfully receive payouts; and
- Clarifying the respective responsibility of PayPal and senders with regard to payouts made using the PayPal Payouts product.
- In addition, the updates provide that:
- PayPal may require evidence of express recipient consent to receive communications in connection with payouts;
- Customers must confirm that provision of information to PayPal does not constitute a sale of data to PayPal under applicable law; and
- Customers may not imply PayPal sponsorship or endorsement without prior permission; nor may customers seek to obtain PayPal user credentials.
Review the updated PayPal Payouts Terms and Conditions
Notices
Issued: 24 July 2023
Amendments to the PayPal Online Card Payment Services Agreement
Effective 19 October 2023:
- the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
- we are introducing new terms and fees for Advanced Credit and Debit Card Payment users who opt in to be charged under the Interchange Plus Plus Fee Structure.
- we are making clarifications on the availability of the Account Updater Service.
Review the updated PayPal Online Card Payment Services Agreement
Review the updated Merchant fee page
Last updated on 24 July 2023
Notice of Amendment(s) to the Spain PayPal Agreement(s)
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Notices
Issued: 24 July 2023
Amendments to the PayPal User Agreement
Effective 24 July 2023:
- we are relocating the Pay in 3 instalments terms and conditions and Pay in 3 instalments precontractual document from the Legal Agreement(s) page and User Agreement to this page. The applicable terms are not changing.
Review the updated User Agreement
Amendments to the PayPal Online Card Payment Services Agreement
Effective 19 October 2023:
- the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
- we are introducing new terms and fees for Advanced Credit and Debit Card Payment users who opt in to be charged under the Interchange Plus Plus Fee Structure.
- we are making clarifications on the availability of the Account Updater Service.
Review the updated PayPal Online Card Payment Services Agreement
Review the updated Merchant fee page
Amendments to the PayPal Fundraisers Terms and Conditions
Effective 24 July 2023:
- we are clarifying that donations go directly to the charity receiving the donation and removing references to PayPal Giving Fund as it does not operate in Spain.
Notice of Amendment(s) to the Spain PayPal Agreement(s)
Issued: 8 June, 2023
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take effect on the effective date(s) shown below.
Actions Needed
Please carefully review the notice below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you.
If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
We are deleting from the section in the User Agreement headed “Actions We May Take if You Engage in Any Restricted Activities” the provision under which, if you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, PayPal may deduct from any PayPal account you control the sum of USD 2,500 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy (the Clause). We are also deleting references to this Clause in the corresponding heading and removing unnecessary wording relating to damages. These deletions will take effect on 17 July, 2023. In the meantime, for any new claims PayPal may have arising after the date of this notice under the Clause, we will not enforce our rights under such provisions.
Review the updated PayPal User Agreement
Amendments to the PayPal Alternative Payment Methods Agreement
Effective 7 August, 2023
- Apple Pay will be offered as an Alternative Payment Method for paying an invoice.
Review the updated PayPal Alternative Payment Methods Agreement
Notice of Amendment(s) to the Spain PayPal Agreement(s)
Issued: 9 August, 2022
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices. Note that additional changes could be made to previewed agreements on or before the effective dates listed, provided the applicable notice requirements are met.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective October 31, 2022:
- Business accounts cannot receive personal transactions. Business account holders wishing to receive personal transactions will need to make use of a personal account.
- If you integrate or reference PayPal services on your website, we are clarifying that PayPal may use automated technologies (e.g., website crawling) to assess your website to ensure compliance with the user agreement and to combat fraud.
- Pricing for sending and receiving donations is also being updated. The new pricing will result in fee increases for some transactions. You can preview Consumer Fees page and the Merchant Fees page that will be effective following such changes.
- We are clarifying that PayPal may reverse a payment if you receive(d) compensation from your bank.
- Introducing 18 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.
Review the updated PayPal User Agreement
Amendments to the PayPal Generosity Network Terms and Conditions
Effective October 31, 2022:
- Generosity Network is being renamed as PayPal Fundraisers, and we're updating all relevant references accordingly.
- In addition, we are removing references to business fundraisers to reflect that only users with personal accounts may create fundraisers.
- Pricing for sending and receiving donations, including PayPal Fundraisers, is also being updated. The new pricing will result in fee increases for some transactions. You can preview the Consumer Fees page and the Merchant Fees page that will be effective following such changes.
Review the updated PayPal Fundraisers Terms and Conditions
Review the updated Consumer Fees Page
Review the updated Merchant Fees Page
Notice of Amendment(s) to Spain PayPal Agreement(s)
Issued: May 10, 2022
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective May 10, 2022 we are:
- Discontinuing the Pay After Delivery services and removing references to Pay After Delivery terms that are no longer applicable.
Effective August 1, 2022 we are:
- Amending the Reversals clause in the User Agreement to clarify when PayPal will be able to reverse a payment.
- Clarifying the language in the governing law and jurisdiction clause. This reiterates that consumers have mandatory rights to bring cases against us in local courts.
- Adding a new section on Advertising Program which permits business account holders to promote PayPal Pay Later.
Review the updated User Agreement.
Important notice to all EU and UK customers
As part of PayPal’s continued efforts to manage some necessary changes arising from the United Kingdom’s exit from the European Union, we will be withdrawing from the UK Financial Ombudsman Service’s (FOS) Voluntary Jurisdiction on 1st December 2022. Due to changes to UK rules, since 1st January 2021, we have been, and continue to be, subject to the Compulsory Jurisdiction of the FOS for complaints from certain UK customers (consumers and certain smaller businesses that qualify as a micro-enterprise, small business, charity, trustee or guarantor) about events occurring on or after this date and these customers continue to have the right to refer their complaint to the FOS.
Where you have a complaint that relates to an event that occurred before 1st January 2021, and you are dissatisfied with how PayPal has resolved that complaint in our final response, then you must refer that complaint to the FOS before 1st December 2022.
Updates to your SEPA Direct Debit Mandate
Effective: May 31, 2022
We are updating your SEPA Direct Debit Mandate by including a field known as “Type of Payment” and listing this as “Recurrent”, which is consistent with the User Agreement in which you provide us with continuous authority when linking a bank account as a funding source to your PayPal account. We will also be updating your SEPA Direct Debit Mandate by including your address.
You will continue to enjoy the benefits of using a SEPA Direct Debit mandate as usual. Please be assured this update will not affect the service you receive in any way.
Notice of Amendment(s) to Spain PayPal Agreement(s)
Issued: February 11, 2022
This Page
This page details and/or previews updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective: May 6, 2022, we are:
- Revising PayPal’s Seller Protection program to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than $10,000 USD.
- Revising the actions we may take if users engage in restricted activities by publishing unlawful content via our website or when using our services.
- Revising the Complaints section to add additional information relating to customer complaints.
- Incorporating the essential terms from the Key Payment and Service Information agreement into the User Agreement including details on the PayPal entity providing the PayPal services, general information on the service, as well as clarification on notices, term and termination.
- Clarifying that consumers have a 14 day right to withdraw from the User Agreement.
- Changing the governing law from English law to Luxembourg law, and jurisdiction from English courts to Luxembourg courts to align with the seat of PayPal (Europe) S.à r.l. et Cie, S.C.A., a registered Luxembourg bank.
- Adding a new section for business account holders, clarifying that liabilities owed to them by PayPal in connection with its products and services may be subject to management or write down by a regulatory or supervisory authority. We are required to include this so that public authorities do not need to bail-out financial institutions such as PayPal if they face financial difficulty.
Review the updated User Agreement.
Review the updated Seller Protection program.
Amendments to all applicable Legal Agreements
Effective: May 6, 2022, we are:
- Removing or modifying references to eBay that are no longer applicable, including discontinuing the following agreements:
- The Merchant Gift Certificates Agreement
Amendments to the Privacy Statement
Effective: May 6, 2022, we are:
- Adding clarification on collecting personal data for non-account holders and how we use your personal data.
Review the updated Privacy Statement
Amendments to the PayPal Online Card Payment Services Agreement:
Effective May 6, 2022, we are:
- Updating the agreement to reflect that PayPal is a data controller for the provision of the services.
Review the updated PayPal Online Card Payment Services Agreement
Amendments to the PayPal Partner Fundraising Program Terms and Conditions
Effective April 1, 2022, we are:
- Amending the terms and conditions so that enrolled charities can benefit from grants made by PayPal Giving Fund Ireland to them as a result of donations from donors in Ireland and other countries.
- Clarifying changes to the terms and conditions to make it easier to follow and include information where you’d naturally look for it.
Notice of Amendment(s) to Spain PayPal Agreement(s)
Issued: October 29, 2021
This Page
This page details updates to PayPal users of changes to the Spain PayPal User Agreement or other online agreements, policies, or statements that require notice. You can also review Past Policy Updates notices.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.
Amendments to the PayPal User Agreement
Effective January 28, 2022 we are:
- Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms were accepted at the time you agreed to the user agreement and remain part of the user agreement. The relocation is intended to make the terms easier to locate and navigate.
- Revising PayPal’s Seller Protection program to clarify that proof of shipment and proof of delivery also must include an online verifiable tracking number.
- Clarifying that abuses of our online dispute resolution process, PayPal's Buyer Protection program, and/or PayPal’s Seller Protection program are restricted activities as defined under the user agreement.
- Clarifying that you will not be charged a Standard Dispute Fee for disputes that have met all requirements of PayPal’s Seller Protection program.
- Clarifying that a Minimum Reserve is also known as an Upfront reserve.
- Introducing 14 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.
- Changing the additional percentage-based fees for international donations as well as simplifying our market/region country classifications for these fees. The new rates are displayed in the updated Consumer Fee page (please click HERE) and in the updated Merchant Fee page (please click HERE).
- Clarifying that donations sent or received by a merchant are a type of commercial transaction.
- Clarifying the definition of the European Economic Area (EEA) by introducing a list of markets/regions which form part of the EEA.
Review the updated User Agreement
Amendments to the Pay After Delivery terms
Effective November 10, 2021, we are:
- Discontinuing and retiring the Pay After Delivery product in Spain. As such, all references of Pay After Delivery have been removed from the User Agreement.
Notice of Amendment(s) to Spain Agreement(s)
Issued: August 11, 2021
This Page
This page displays policy updates which notify users of important changes to the PayPal Spain User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: November 10, 2021
- We are revising PayPal’s Seller Protection program to clarify eligibility for certain claims involving travel tickets sold by the travel carrier.
- We are requiring sellers who are Corporate Customers to notify us of any pricing errors or discrepancies within sixty (60) days from having access to their account statement(s) or other account activity information.
- We are removing the PayPal Payouts section and replacing it with a standalone agreement called the PayPal Payouts Agreement on the legal hub.
- We are clarifying the types of costs used to calculate the reasonable minimum estimate that we may recover if you engage in any restricted activities.
- We are introducing an additional service fee of 1.29% for some international commercial transactions between the EEA and the UK.
- We are changing the additional percentage-based fees for international commercial transactions as well as simplifying our market/region country classifications for these fees. The fees are changing from the rates shown in the current User Agreement to the new rates shown on the updated Merchant Fee page HERE, which will be effective on November 10, 2021.
To review the updated User Agreement, please click HERE.
Amendments to the PayPal Acceptable Use Policy
- We are revising the policy to clarify that violations may subject you to damages. We are also expanding the existing list of prohibited activities and clarifying the commercial activities requiring approval.
Amendments to the Data Protection Controller Addendum for Direct Card Processing Products
- We have amended the addendum to ensure references to products and services are consistent globally.
Amendments to the PayPal Alternative Payment Methods Agreement
- We are revising the Agreement to prohibit acceptance of payments for certain goods and services.
Notice of Amendment(s) to Spain Agreement(s)
Issued: June 21 2021
This Page
This page displays policy updates which notify users of important changes to the PayPal Spain User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: August 20 2021
We have updated how PayPal converts currency to use PayPal’s own exchange rate and provided for a currency converter tool.
To review the updated User Agreement, please click HERE.
Notice of Amendment(s) to Spain Agreement(s)
Issued: April 29 2021
This Page
This page displays policy updates which notify users of important changes to the PayPal Spain User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.
Upcoming Changes
We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.
Actions Needed
Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.
Amendments to the PayPal User Agreement
Effective: July 30 2021
- We are further revising PayPal’s Buyer Protection and Seller Protection to be globally consistent and to further clarify which transactions are eligible for protection.
- We are clarifying how sending or receiving donations are treated.
- We are changing the inactivity fee to be EUR 10.00.
- We are clarifying that you may set the currency on your card.
To review the updated User Agreement, please click HERE.
Amendments to the Terms of use for Money Pools
We have amended the terms of use for Money Pools to reflect that existing pools will no longer be maintained in the event the Money Pools services is deprecated.
Notice of Amendment to PayPal Legal Agreements
Issued: January 29, 2021
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
April 30, 2021.
In the event you would prefer to decline these changes and close your account, you can do so prior to April 30, 2021 without incurring any additional charges.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted in this document. This does also apply where we have corrected or standardized references.
UPDATES TO THE PAYPAL USER AGREEMENT
Effective date: April 30, 2021
- Please click HERE to view an updated copy of the intended changes.
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
About Your Account – Welcome to PayPal!
We have clarifying wording that our user agreement does not apply to the Xoom services, which are governed by the separate Xoom Legal Agreements.
Making A Payment – PayPal Buyer Protection – Ineligible items and transactions under PayPal Buyer Protection
In this section, we have re-arranged and standardized our list of ineligible items and transactions.
Receiving Payments – PayPal Seller Protection – What's eligible
We have added wording on already shipped physical items or provided intangible goods for clarification.
Receiving Payments – PayPal Seller Protection – Basic requirements
We have added a new second bullet point regarding unauthorized transaction claims.
Receiving Payments – PayPal Seller Protection – Ineligible items and transactions
We have changed and globally standardized our list of items and transactions ineligible for PayPal Seller Protection.
Other Legal Terms – Miscellaneous – Your use (as a seller) of personal data; Data protection laws
We have renamed this section and re-worded it to more specifically reflect on sellers' use of personal data.
Notice of Amendment to PayPal Legal Agreements
Issued: September 29, 2020
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
December 16, 2020.
In the event you would prefer to decline these changes and close your account, you can do so prior to December 16, 2020 without incurring any additional charges.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not mentioned in this document. This does also apply where we have corrected or standardized numbering and references.
UPDATES TO THE PAYPAL USER AGREEMENT
Effective date: December 16, 2020
- Please click HERE to view an updated copy of the intended changes.
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
About Your Account – Opening an Account – Commercial Entity Status
We have amended the wording in the section to reflect that upon reaching certain thresholds or involving certain business segments or activities, the Commercial Entity Agreements can apply to any type of PayPal account you hold.
About Your Account – Opening an Account – Safe use of your PayPal account
In this section, we have added the requirement to keep the number of a phone to which you are the primary user current in your PayPal account profile.
Making A Payment – General provisions for making a payment – Your payment instruction
We added a new paragraph at the end of this section about giving you the option to select certain recipients as "trusted beneficiaries" for a faster payment experience.
Receiving Payments – Refunds and reversals of payments – Dispute fees
We are establishing a dispute fee and its terms and conditions for sellers.
Receiving Payments – Refunds and reversals of payments – Chargeback fee
We have added a new section dealing with the Chargeback fee for clarification.
Other Legal Terms – Our Rights – Inactivity Fee
We are establishing an inactivity fee for accounts that have been inactive for at least 12 consecutive months.
Schedule 1: Table of Fees
A3.2. Withdrawing your Balance
In section A3.2. we have introduced a fee for withdrawals to a U.S. bank account associated with your PayPal account.
A3.3. Chargeback Fee and Dispute Fee
We have broken own section A3.3. into two sub-sections: A3.3.1. Chargeback Fee, which remains unchanged, and A3.3.2. Dispute Fee which is dealing with our newly introduced Dispute Fee.
A3.13 Inactive PayPal accounts
We have added a new section A3.13 dealing with the newly introduced inactivity fee.
UPDATES TO THE PAYPAL ONLINE CARD PAYMENT SERVICES AGREEMENT
4. Information Security; Data Protection; Data Portability
We have amended section 4.6. to talk about a Data Protection Addendum rather than a schedule (as a result, Schedule 2 has been removed) and we have added a new section 4.7. on Data Portability.
UPDATES TO THE COMMERCIAL ENTITY AGREEMENT
We have removed the limitation to PayPal Premier or Business Accounts from the first paragraph of the Commercial Entity Agreement.
UPDATES TO THE PRIVACY STATEMENT
We are updating our data processing terms to reflect that PayPal is a data controller for payment processing and fraud services.
iZETTLE
We have added new terms for our iZettle service to our Legal Agreements page.
Notice of Amendment to PayPal Legal Agreements
Issued: June 16, 2020
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on
September 14, 2020.
In the event you would prefer to decline these changes and close your account, you can do so prior to September 14, 2020 without incurring any additional charges.
All changes and updates to the legal agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.
Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted. This does also apply where we have corrected or standardized numbering and references.
Updates to the PayPal User Agreement
Effective date: September 14, 2020
- Please click HERE to view an updated copy of the intended changes.
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
Making A Payment – Buyer Protection
In this section, we have re-introduced the PayPal Buyer Protection Policy into the user agreement and reworded its terms for global alignment.
Receiving Payments – Impact of PayPal Buyer Protection on Sellers
We have amended the wording in the "Impact of PayPal Buyer Protection on Sellers" sub-section If you are a seller and lose a claim under PayPal Buyer Protection and the buyer’s claim was that the item received was Significantly Not as Described, you may not receive the item back, or you may be required to accept the item back and pay for the return shipping costs.
Schedule 1: Table of Fees
A2.4./A2.5. Receiving Payments Through QR Codes in Person
We have introduced new section A2.4./A2.5. in our Table of Fees outlining the fees that will apply to (casual) sellers for receiving payments through our new QR code solution.
Updates to PayPal Online Card Payment Services Agreement
Effective Date: September 14, 2020
You can find the amended PayPal Online Card Payment Services Agreement below the version of that document currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
Amendment to section 2.5 Fixed Fees
We have amended section 2.5 Fixed Fees. The new section reads as follows (with amendments underlined):2.5. Fixed Fees
Fixed Fees are based on the currency received, as follows:
Argentine Peso: | 2.00 ARS | New Zealand Dollar: | $0.45 NZD |
Australian Dollar: | $0.30 AUD | Norwegian Krone: | 2.80 NOK |
Brazilian Real: | 0.60 BRL | Philippine Peso: | 15.00 PHP |
Canadian Dollar: | $0.30 CAD | Polish Zloty: | 1.35 PLN |
Czech Koruna: | 10.00 CZK | Russian Ruble | 10.00 RUB |
Euro: | €0.35 EUR | Singapore Dollar: | 0.50 SGD |
Danish Kroner: | 2.60 DKK | Swedish Kronor: | 3.25 SEK |
Hong Kong Dollar: | $2.35 HKD | Swiss Franc: | 0.55 CHF |
Hungarian Forint: | 90 HUF | Taiwan New Dollar: | 10.00 TWD |
Israeli New Shekels: | 1.20 ILS | Thai Baht: | 11.00 THB |
Japanese Yen: | ¥40 JPY | Turkish Lira: | 0.45 TRY |
Malaysian Ringgit: | 2 MYR | UK Pounds Sterling: | £0.30 GBP |
Mexican Peso: | 4.00 MXN | US Dollar: | $0.30 USD |
Terms for the PayPal Business Debit Mastercard Cardholder Agreement
Effective date: September 14, 2020
We are newly introducing the PayPal Business Debit Mastercard Cardholder Agreement.
You can find the PayPal Business Debit Mastercard Cardholder Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on the Spanish PayPal site.
Notice of Amendment to PayPal Legal Agreements
Issued: March 19, 2020 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Updates to the PayPal Alternative Payment Methods Agreement
Effective Date: March 19, 2020
You can find the current PayPal Alternative Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. No additional fees for receiving international APM payments
We have amended section 3 (Using APM functionality) to clarify that the additional percentage-based fee for receiving international commercial transactions set out in the User Agreement does not apply when you receive APM payments.
Updates to the PayPal Acceptable Use Policy
Effective Date: March 19, 2020
You can find the PayPal Acceptable Use Policy currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Contact information
The contact information in the sections headed “Activities Requiring Approval” and “Violations of the Acceptable Use Policy” has been updated. Instead of sending an email to PayPal, you can complete a webform to submit your query or filing under those sections.
Updates to the User Agreement
Effective Date: March 19, 2020
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- New checkout solution
On and from the Effective Date, we may alternatively refer to the following products/functionalities (mentioned in the sections relating to the new checkout solution in the PayPal User Agreement) by their new names on our website and other written materials:
Current name | New name |
new checkout solution | new checkout solution included in the PayPal Commerce Platform |
Custom Card Fields | Advanced Credit and Debit Card Payments |
Payments without a PayPal account service | Basic Credit and Debit Cards Payments |
Fraud Tool / Custom Card Fields Fraud Management Filters | Fraud Protection |
The new names will appear in the PayPal User Agreement on and from June 16, 2020. Please click HERE to view an updated copy of the changes intended to take effect on June 16, 2020.
- Mass Payments
On and from the Effective Date, we may alternatively refer to Mass Payments by its new name “Payouts” on our website and other written materials. The new name will appear in the PayPal User Agreement on and from June 16, 2020. Please click HERE to view an updated copy of the changes intended to take effect on June 16, 2020.
- Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Updates to the PayPal Online Card Payment Services Agreement
Effective Date: March 19, 2020
You can find the current PayPal Online Card Payment Services Agreement by clicking here (if you are resident in Portugal) or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- Changes of names of various products and functionalities
- Other changes
On and from the Effective Date, we will alternatively refer to the following products/functionalities by their new names on our website and other written materials:
Current name | New name |
Custom Card Fields | Advanced Credit and Debit Card Payments |
Fraud Tool / Custom Card Fields Fraud Management Filters | Fraud Protection |
Custom Card Fields API | Advanced Credit and Debit Card Payments API |
Sections of the PayPal Online Card Payment Services Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Updates to the User Agreement
Effective Date: June 16, 2020
- Please click HERE to view an updated copy of the intended changes.
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Actions We May Take If You Engage In Any Restricted Activities - Violations of the Acceptable Use Policy (new section)
We have added a new section which sets out our rights to deduct amounts in respect of damages which arise when you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy. The new section reads as follows (shown with headings of the root clauses for context and abridged for brevity, with amendments underlined):
“…
Restricted Activities And Holds
…
Actions We May Take if You Engage in Any Restricted Activities
…
If you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, then:
- in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy;
- you acknowledge and agree that USD 2,500.00 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy is:
- a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated;
- reasonable and proportionate in its application to the provision of the Services to you; and
- necessary, but no more than sufficient, to protect PayPal’s legitimate interest in your compliance with the Acceptable Use Policy; and
PayPal may deduct such damages directly from any existing balance in any PayPal account you control.
…”
2. Other Legal Terms – Our Rights – Information About You
We have amended the section headed “Other Legal Terms – Our Rights – Information About You” to clarify your obligations to provide PayPal with information about you to facilitate our actions described in the user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. The section headed “Other Legal Terms – Our Rights – Information About You” now reads as follows (shown with headings of the root clauses for context, with amendments underlined):
“…
Other Legal Terms
…
Our Rights
…
Information About You
We may request information from you as we reasonably require to facilitate our actions described in this user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. You must comply with these requests in a timely fashion. This may involve you faxing, emailing or otherwise providing to us at your own expense identification documents and information about your finance and operations (such as your most recent financial statements and merchant processing statements).
…”
3. Fees – Commercial Transaction Refunds
As a reminder (as notified on January 2, 2020) section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) was amended on March 5, 2020 to clarify that, if you carry out a refund of a Commercial Transaction payment, all of the fees originally paid by you to receive the payment will not be returned to you. The amendment to section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) which took effect on March 5, 2020 will continue to read and be applied on and after the Effective Date.
This amendment does not take effect for users registered with PayPal as residents of Ireland until further immediate notice of the change, to be published by PayPal on the Policy Updates page (accessible via the Legal footer on most PayPal site pages) on or after March 5, 2020 (as PayPal may determine in its sole discretion).
4. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors including the following existing sections:
Section | Amendment |
About Your Account – Welcome to PayPal! (last paragraph) | The reference to “60 days” has changed to “two months”. |
About Your Account – Closing Your PayPal Account (last paragraph) | The reference to “60 days” has changed to “two months”. |
Updates to the PayPal Online Card Payment Services Agreement
Effective Date: June 16, 2020
You can find the amended PayPal Online Card Payment Services Agreement below the version of that document currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Vaulting Tool
We are pleased to introduce our new Vaulting Tool. We have added new section 7.2 (Vaulting Tool) and updated section 10 (Definitions) with terms specific to the new Vaulting Tool.
2. Account Updater Service
We are also pleased to introduce our new Account Updater Service. We have added new section 7.3 (Account Updater Service) and updated section 10 (Definitions) with terms specific to the new Account Updater Service.
3. Scope of Products
We have amended the section headed “About this Agreement” and section 10 (Definitions) to clarify that:
- if you are offered and choose to use any Product, Online Card Payment Service or functionality (including technology) mentioned in the PayPal Online Card Payment Services Agreement , the terms of the PayPal Online Card Payment Services Agreement relating to that Product, Online Card Payment Service or functionality apply to you.
- Fraud Protection is now also an optional additional service in the PayPal Hosted Solution suite of functionality.
- the following functionalities are now also optional additional services in the Advanced Credit and Debit Card Payments suite of functionality:
- any PayPal Hosted Solution Functionality;
- the Vaulting Tool; and
- the Account Updater Service.
- e-Terminal is now an Online Card Payment Service available to merchants resident in countries other than the UK, Gibraltar, Jersey, Guernsey or Isle of Man and is part of the PayPal Hosted Solution Functionality.
The section headed “About this Agreement” and the relevant parts of section 10 now read as follows (abridged for brevity and shown with headings of the root clauses for context, with amendments underlined):
“…
About this Agreement
…
By integrating or using any of the Products or the Online Card Payment Service you agree to be bound by the terms of this Agreement. If you are offered and choose to use any Product, Online Card Payment Service or functionality (including technology) mentioned in this Agreement, the terms in this Agreement relating to that Product, Online Card Payment Service or functionality apply.
The Products are:
- PayPal Hosted Solution - a suite of functionality consisting of Direct Payments API as standard and, as an optional additional service, eTerminal and Fraud Protection.
- Advanced Credit and Debit Card Payments - a suite of functionality consisting of the Advanced Credit and Debit Card Payments API as standard and Fraud Protection as an optional additional service. We may also offer you as optional additional services any of the following:
- any PayPal Hosted Solution Functionality;
- the Vaulting Tool; and
- the Account Updater Service.
- And eTerminal - eTerminal functionality as a standalone Product.
…”
Notice of Amendment to PayPal Legal Agreements
Issued: January 2, 2020 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Updates to the User Agreement
Effective Date: March 5, 2020
- Please click HERE to view an updated copy of the intended changes.
You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Fees – Commercial Transaction Refunds
Section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) is amended to clarify that, if you carry out a refund of a Commercial Transaction payment, all of the fees originally paid by you to receive the payment will not be returned to you. Section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) (presented in context with the column headings) now reads as follows (with amendments shown underlined):
“…
A3.4 Commercial Transaction Refunds | If you refund a Commercial Transaction payment, there are no fees to make the refund, but the fees you originally paid to receive the payment are not returned to you. |
…”
2. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Updates to the User Agreement
Effective: 11 December 2019
We’re unveiling an entirely redesigned User Agreement for our customers. We’ve worked hard to make this new User Agreement a more user-friendly experience with content that makes it easier for you to understand your rights and obligations when it comes to using PayPal’s products and services.
Here’s what we’ve done:
- We’ve redesigned the User Agreement to simplify its format, with new colour-coded headings so you can find the information most relevant to your account more easily. We’ve revised and reorganised the content of the User Agreement to be easier to follow and to include information where you’d naturally look for it. We’re not changing the meaning of what we say, only how we say it and where you can find it.
B. An updated User Agreement, will be available after 10 October 2019. Please click HERE to view once available.
Notice of Amendment to PayPal Legal Agreements
Issued: October 21, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal Alternative Payment Methods Agreement.
Effective Date: October 21, 2019
You can find the current PayPal Alternative Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- Annex 1 – APMs
We have amended Annex 1 to introduce Finnish (Verkkopankki), PayU (including Blik where powered by PayU) and Trustly as new APMs.
Notice of Amendment to PayPal Legal Agreements
Issued: October 1, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal Local Payment Methods Agreement.
Effective Date: October 1, 2019
You can find the current PayPal Local Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- Change of name
The PayPal Local Payment Method Agreement is now called the PayPal Alternative Payment Methods Agreement. A Local Payment Method (LPM) is now called an Alternative Payment Method (APM). Corresponding changes have been made to other related terminology and to other agreements to reflect the new terminology.
- No Seller Protection
We have added a note to section 4 as a reminder that, as already agreed in section 11.10 of the PayPal User Agreement, Seller Protection does not apply to APM payments.
- Annex 1 – APMs
We have amended Annex 1 as follows:
- to confirm that it is now possible for a merchant to use PayPal to refund the payer of a MyBank payment; and
- to introduce Przelewy24 (P24) as a new APM.
Notice of Amendment to PayPal Legal Agreements
Issued: August 19, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal User Agreement.
Effective Date: August 19, 2019
You can find the current PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- Terms of use of our new checkout solution
- We have introduced a fee for receiving American Express Card payments using Custom Card Fields (where we allow you to receive such payments) to section A2.2.2 of Schedule 1.
Amended section A2.2.2 of Schedule 1 now read as follows (with changes shown underlined):
“…
A2.2.2 Fees for using the new checkout solution
| Payments from cards (Visa, Mastercard or Maestro) using Custom Card Fields * | Payments from American Express cards using Custom Card Fields | Card-funded payments from users of our Payments without a PayPal account service | Payments from Local Payment Methods | Other payments | |
Fee | Blended Pricing Fee Structure | Interchange Plus Fee Structure
| 3.5% |
1.20% + Fixed Fee | ||
1.20% + Fixed Fee | Interchange Fee + 1.20% + Fixed Fee |
| 1.20% + Fixed Fee | 3.40% + Fixed Fee |
* See the PayPal Online Card Payment Services Agreement (PayPal Hosted Solution and eTerminal Agreement) for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.
…”
Notice of amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement)
Effective Date: August 19, 2019
You can find the PayPal Online Card Payment Services Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
- Fees
We have amended the PayPal Online Card Payment Services Agreement to:
- reduce some of the fees we currently charge you for receiving card payments using our Custom Card Fields Product; and
- introduce our fees for receiving payments from American Express cards where we allow you to receive such card payments.
Sections 2.4 and 2.5 now read as follows:
“…
2.4 Transaction Fees for Card Payments under the Blended Pricing Fee Structure
The following fees apply to each domestic payment you receive from the following types of cards using the following Products under the Blended Pricing Fee Structure:
Product | Card Type | Fee |
PayPal Hosted Solution | Visa, Mastercard |
Blended Pricing Fee Structure 2.90% + Fixed Fee |
Interchange Plus Fee Structure
Interchange Fee (approximately ranges from 0.20% to 2.00%)
+ 2.50% + Fixed Fee
| ||
eTerminal | Visa, Mastercard |
Blended Pricing Fee Structure 2.90% + Fixed Fee
|
Interchange Plus Fee Structure
Interchange Fee (approximately ranges from 0.20% to 2.00%)
+ 2.50% + Fixed Fee | ||
Custom Card Fields | Visa, Mastercard | Blended Pricing Fee Structure 1.20% + Fixed Fee
|
Interchange Plus Fee Structure
Interchange Fee (approximately ranges from 0.20% to 2.00%)
+ 1.20% + Fixed Fee
| ||
American Express | 3.5% |
On and from June 6, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.
- Other changes
Sections of the PayPal Online Card Payment Services Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing sections:
Section | Amendment |
New section 5.5 | This is a new section which contains terms which apply to you if we allow you to receive payments from American Express cards. |
Section 8.1 (Termination and suspension – By you) | We have added some terms which give you more flexibility to stop or terminate your use of Custom Card Fields. We have also added a provision which relates to how you may stop your acceptance of American Express card payments, if we allow you to receive such payments. |
; and
- correct minor typographical errors.
Notice of amendment to the PayPal User Agreement.
Effective Date: August 19, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Refused Transactions and Refunds
We are amending sections 4.6 (Refused Transactions) and 5.7 (Your Refund Policy, Data Protection, Privacy Policy and Security) and A3.1.2 in Schedule 1 (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion (and, in some cases, a currency conversion fee) applies to the returned amount).
Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient”.
Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.
Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly. Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):
“…
4.6 Refused Transactions and Refunds sent by the recipient.
We may allow the recipient of your payment to:
- refuse to accept it; or
- decide to accept it and then use our Service to send you a refund of all or any part of the amount of the payment later.
We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.
If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:
- the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
- the original opening currency of your Account; or
- US dollars (opening a Balance in that currency for you, if you don’t have one already).
If the original payment you sent involved a currency conversion, we will convert the returned amount from the currency received by the recipient as follows:
- if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
- if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See section 8.2 for more information about how we set the transaction exchange rate. Note that, for the purpose of this particular return conversion:.
If you are registered with PayPal as resident in Spain, the transaction exchange rate includes the Currency Conversion Fee. You agree to bear the currency conversion fee set out at section A3.1.2 in this case..
We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see section 6.
We may decide to not charge your original Funding Source for the original payment in the first place if the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.
The returned amount could be lower in value than your original payment amount. This can happen as a result of:
- the recipient sending you a refund lower in value than your original payment amount. As we are only a payment service provider, we cannot know what you are entitled to from the original payment recipient as a refund or why the recipient sent the refund in a particular amount; or
- transaction exchange rate fluctuations.
PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see section 12).
…
5.7 Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security.
5.7.1 Refunds and Refused Payments
If you are the recipient of a payment and we allow you to refuse a payment or send a refund of that payment to the payer:
- you alone are (and PayPal is not) responsible for:
- your legal and contractual obligations towards the payer for any amount you return to the payer; and
- any difference between the cost to the payer of making the original payment and the value of the amount returned to the payer (for instance, as a result of transaction exchange rate fluctuations) except to the extent that the refund is a payment executed incorrectly by PayPal (see section 12).
5.7.2 Refund Policy
…
5.7.3 Data Protection and Privacy Policy
…
5.7.4 Security
…
A3.1 Currency Conversion | …
|
…”
2. Fees for receiving Commercial Transaction payments
We are changing our Commercial Transaction payment Fees as follows:
- The Fee for Receiving Domestic payments (Selling) at section A2.2.1 in Schedule 1 (Table of Fees) is changed to 2.90% + Fixed Fee.
- The Fee for Receiving Domestic payments (Selling) for users in Spain using the new checkout solution at section A2.2.2 is changed to:
- 1.20% + Fixed Fee for receiving:
- payments from cards through Custom Card Fields if you are on the Blended Pricing Fee Structure
- card-funded payments from users of our Payments without a PayPal account service; and
- payments from Local Payment Methods;
- Interchange Fee + 1.20% + Fixed Fee for receiving payments from cards through Custom Card Fields if you are on the Interchange Plus Fee Structure; and
- 2.90% + Fixed Fee for receiving all other types of payments.
- 1.20% + Fixed Fee for receiving:
- On and from August 19, 2019 the Merchant rate at section A2.2.2 in Schedule 1 (Table of Fees) no longer applies to any Spanish merchant. In place of the Merchant rate, the standard rate of 2.90% + Fixed Fee applies to each domestic Commercial Transaction payment received by Spanish merchants.
- The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasing and are now as follows:
Sender’s country | Cross Border Fee |
Europe I / Northern Europe | 0.5% |
Europe II / US / Canada / Rest of World | 2.0% |
- The Fixed Fee for payments received in UK Pounds Sterling (GBP) at section A4.6 of Schedule 1 (Table of Fees) is increased to 0.30 GBP.
Sections A2 and A4.6 of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):
“A2. Commercial Transaction payment Fees
Where there is stated to be a Fixed Fee component, please refer to A4.6 of this Schedule 1 for more details.
Activity or Event | Fee | |||||||||||||
A2.1 Sending (Buying) | Free (when no currency conversion is involved) | |||||||||||||
A2.2 Receiving Domestic payments (Selling) | A2.2.1 Standard rate 2.90% + Fixed Fee Note on the Merchant rate: On and from August 19 2019 the Merchant rate no longer applies to any merchant. In place of the Merchant rate, the standard rate of 2.90% + Fixed Fee applies to each domestic Commercial Transaction payment received by merchants.
A2.2.2 Fees for using the new checkout solution
* See the PayPal Online Card Payment Services Agreement (previously the PayPal Website Payments Pro and Virtual Terminal Agreement) for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices. | |||||||||||||
A2.3 Receiving Cross Border payments (Selling) | The Fee for Receiving Domestic Commercial Transaction payments applies plus an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).
Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees. |
…
A4.6 Fixed Fees for Commercial Transaction payments and Personal Transaction payments (unless otherwise stated) are based on the currency in which the payment is received, as follows:
Currency: | Fee: | Currency: | Fee: |
Australian Dollar: | 0.30 AUD | New Zealand Dollar: | 0.45 NZD |
Brazilian Real: | 0.60 BRL | Norwegian Krone: | 2.80 NOK |
Canadian Dollar: | 0.30 CAD | Philippine Peso: | 15.00 PHP |
Czech Koruna: | 10.00 CZK | Polish Zloty: | 1.35 PLN |
Danish Kroner: | 2.60 DKK | Russian Ruble: | 10.00 RUB |
Euro: | 0.35 EUR | Singapore Dollar: | 0.50 SGD |
Hong Kong Dollar: | 2.35 HKD | Swedish Krona: | 3.25 SEK |
Hungarian Forint: | 90.00 HUF | Swiss Franc: | 0.55 CHF |
Israeli New Shekel: | 1.20 ILS | New Taiwan Dollar: | 10.00 TWD |
Japanese Yen: | 40.00 JPY | Thai Baht: | 11.00 THB |
Malaysian Ringgit: | 2.00 MYR | U.K. Pounds Sterling: | 0.30 GBP |
Mexican Peso: | 4.00 MXN | U.S. Dollar: | 0.30 USD |
…”
4. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Notice of amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution andeTerminal Agreement)
Effective Date: August 19, 2019
You can find the amended PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Fees
The fee for as outlined in the PayPal User Agreement now applies to each domestic Standard PayPal Payment you receive, instead of the PayPal Standard Rate fee for receiving such payments outlined at section 2.3.
Also, on and from August 19, 2019 the PayPal Merchant Rate outlined throughout section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement ) no longer applies. This means that, in place of the PayPal Merchant Rate:
- the fee for Receiving Domestic payments (Selling) as outlined in the PayPal User Agreement applies to each domestic Standard PayPal Payment you receive; and
- the relevant PayPal Standard Rate applies to card payments you receive under the Blended Pricing Fee Structure or the Interchange Plus Fee Structure.
Section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) now reads as follows (with amendments underlined):
“…
2. Fees
2.1 How fees are paid. You agree to pay the fees in this Agreement as they become due without set-off or deduction. You authorise us to (and we may) collect Monthly Fees first from any available Balance in your Account and then also from the funding source(s) registered for your Account, and you authorise us to (and we may) collect fees for receiving payments from the payments you receive before those funds are credited to your account. If we are unable to collect a past due fee from your Account and its funding source(s), we may take action against you as provided in the User Agreement for unpaid fees.
Except as further provided in this Agreement, you agree to pay the fees set out in the User Agreement.
Fees will be charged in the currency of the payment received.
2.2 Monthly Fees
Product | Monthly Fee |
PayPal Hosted Solution | EUR 15.00 |
eTerminal only | EUR 15.00 |
Custom Card Fields | None |
2.3 Transaction Fees for Standard PayPal Payments
The fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive.
2.4 Transaction Fees for Card Payments under the Blended Pricing Fee Structure
The PayPal Standard Rate of 2.9% + Fixed Fee applies to each domestic payment you receive from a card (Visa or MasterCard) using the Online Card Payment Services under the Blended Pricing Fee Structure.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.
2.5 Transaction Fees for Card Payments under the Interchange Plus Fee Structure
The PayPal Standard Rate of:
Interchange Fee (approximately ranges from 0.10% to 2.0%)
+ 2.5%
+ Fixed Fee
applies to each payment you receive from a card (Visa or MasterCard) using the Online Card Payment Services under the Interchange Plus Fee Structure.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.
2.6 Fixed Fees are based on the currency received, as follows:
Argentine Peso: | 2.00 ARS | New Zealand Dollar: | $0.45 NZD |
Australian Dollar: | $0.30 AUD | Norwegian Krone: | 2.80 NOK |
Brazilian Real: | 0.60 BRL | Philippine Peso: | 15.00 PHP |
Canadian Dollar: | $0.30 CAD | Polish Zloty: | 1.35 PLN |
Czech Koruna: | 10.00 CZK | Russian Ruble | 10.00 RUB |
Euro: | €0.35 EUR | Singapore Dollar: | 0.50 SGD |
Danish Kroner: | 2.60 DKK | Swedish Kronor: | 3.25 SEK |
Hong Kong Dollar: | $2.35 HKD | Swiss Franc: | 0.55 CHF |
Hungarian Forint: | 90 HUF | Taiwan New Dollar: | 10.00 TWD |
Israeli New Shekels: | 1.20 ILS | Thai Baht: | 11.00 THB |
Japanese Yen: | ¥40 JPY | Turkish Lira: | 0.45 TRY |
Malaysian Ringgit: | 2 MYR | UK Pounds Sterling: | £0.20 GBP |
Mexican Peso: | 4.00 MXN | US Dollar: | $0.30 USD |
2.7 Merchant Rate
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the Transaction Fees outlined in clauses 2.3, 2.4 and 2.5 apply, subject to the rest of this clause 2.
2.8 Additional Transaction Fees
The fee for Receiving Cross Border payments (Selling) applies as outlined in the User Agreement, except that it does not apply to:
- payments received from cards using the Online Card Payment Services under the Interchange Plus fee structure.
2.9 Monthly Reports on Transaction Costs. PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for card transactions which you process with PayPal Hosted Solution, Custom Card Fields and eTerminal. These reports will be downloadable from your PayPal account. The reports do not include any Standard PayPal Payments.
…”
- Other changes
Sections of the PayPal Online Card Payment Services Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing sections:
Section | Amendment |
4.2 (Your PCI DSS compliance) | Further clarifications of your obligations regarding your PCI DSS compliance. |
4.4 (Security of Card Data) | This section is moved to section 11 of amended Schedule 1 (Data Security Requirements) |
New section 4.4 (3D Secure) | This new section clarifies your obligations regarding your use of 3D Secure. |
9.3 (No warranty) | A second paragraph has been added to clarify PayPal’s rights as set out in the first paragraph where PayPal hosts your Product. |
Schedule 1 (Data Security) | This schedule is renamed “Data Security Requirements” and is amended in its entirety to outline your obligations regarding data security, including provisions regarding the principles of data security, what to do in case of a data breach, data protection, card data and PCI DSS. |
; and
- correct minor typographical errors.
Notice of Amendment to PayPal Legal Agreements
Issued: August 1, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal User Agreement.
Effective Date: October 21, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Fees – Currency Conversion Fees
We are increasing:
- the Currency Conversion Fee at section A3.1.1 in Schedule 1 (Table of Fees) from 2.5% to 3.0%; and
- the Currency Conversion Fees at section A3.1.2 in Schedule 1 (Table of Fees) from 3.5% to 4.0% for conversions into the following currencies:
- Canadian Dollar (CAD)
- Czech Koruna (CZK)
- Danish Krone (DKK)
- Euro (EUR)
- Hungarian Forint (HUF)
- Norwegian Krone (NOK)
- Polish Zloty (PLN)
- Russian Ruble (RUB)
- Swedish Krona (SEK)
- Swiss Franc (CHF)
- UK Pounds Sterling (GBP)
- US Dollar (USD)
Section A3.1 (Currency Conversion) in Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):
…
Activity or Event | Fee | ||||||||||||||||||||||||||||||||||||||||||||||||||
A3.1 Currency Conversion | A3.1.1 For currency conversions that occur within your PayPal account outside and/or prior to a Personal or Commercial Transaction (“In Account”) (converting balances to other currencies before withdrawal for example), as well as for transactions involving a currency conversion for which the seller has agreed to bear the conversion fee:
|
…
Notice of Amendment to PayPal Legal Agreements
Issued: May 29, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.
There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.
Notice of amendment to the PayPal User Agreement.
Effective Date: May 29, 2019
You can find the current PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or“Legal Agreements”footer on most PayPal site pages.
1. Terms of use of our new checkout solution
We have added the following new sections to the PayPal User Agreement containing the terms (including fees) which apply if we offer you the new checkout solution and you choose to use it:
- section 5.9 (New checkout solution); and
- section A2.2.2 of Schedule 1 (Fees for using the new checkout solution)
New sections 5.9 and A2.2.2 of Schedule 1 read as follows:
“5.9 New checkout solution
Our new checkout solution consist of:
- our dedicated bundled checkout capability in your online checkout/platform to enable a buyer with or without an Account to send a payment to your Account; and
- our supporting Fraud Tool.
We may offer you all, any part or any combination of parts of the new checkout solution as our new checkout solution service. If we offer you the new checkout solution service and you choose to use it, in addition to this User Agreement, you agree to the following further terms relating to the following capability:
- the PayPal Local Payment Methods Agreement, when you use our LPM functionality as part of the new checkout solution; and
- the PayPal Online Card Payment Services Agreement (previously the PayPal Website Payments Pro and Virtual Terminal Agreement), when you use:
- our Custom Card Fields service as part of the new checkout solution; and
- our supporting Fraud Tool (otherwise called the Custom Card Fields Fraud Management Filters functionality or Fraud Tool in that agreement) as part of the new checkout solution.
Fees which may be set out in the PayPal Local Payment Methods Agreement and the PayPal Website Payments Pro and Virtual Terminal Agreement do not apply to your use of the new checkout solution. Instead, our Fees for using the new checkout solution at section A2.2.2 in Schedule 1 apply to your use of the new checkout solution.
…
A2.2 Receiving Domestic payments (Selling) | … A2.2.2 Fees for using the new checkout solution A2.2.2.1 Payments from cards (Visa, Mastercard or Maestro) through Custom Card Fields *
* See the <PayPal Online Card Payment Services Agreement (previously the PayPal Website Payments Pro and Virtual Terminal Agreement)> for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices. A2.2.2.2 Payments received other than through Custom Card Fields 3.4% + Fixed Fee … |
… ”
2. Other changes
Sections of the PayPal User Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing section:
Section | Amendment |
8.2 Currency Conversion | The last four paragraphs of this section become new section 8.3 (Currency Conversion Choices). |
; and
correct minor typographical errors.
Notice of amendment to the PayPal Hosted Solution and eTerminal Agreement
Effective Date: May 29, 2019
You can find the PayPal Hosted Solution and eTerminal Agreement currently in force by clicking here or accessing it via the “Legal” or“Legal Agreements”footer on most PayPal site pages.
1. Change of name to the PayPal Online Card Payment Services Agreement
We have changed the name of the PayPal Hosted Solution and eTerminal Agreement. The new name of this agreement is the PayPal Online Card Payment Services Agreement and we will refer to that name instead in the rest of this notice of amendment.
2. Custom Card Fields
We are pleased to tell you that we plan to launch soon:
- a new Online Card Payment Service called Custom Card Fields API, which is functionality for performing credit and debit card transactions, where the card details are entered online by the cardholder, as an alternative to the Direct Payments API; and
- our new Custom Card Fields Fraud Management Filters functionality, which we may offer together with the Custom Card Fields API as an alternative to the Advanced Fraud Management Filters; and
- our Custom Card Fields Product, which is a suite of functionality consisting of Custom Card Fields API as standard and Custom Card Fields Fraud Management Filters as an optional additional service. We may also offer other PayPal Hosted Soltion functionality as part of the Custom Card Fields Product.
We may offer you the Custom Card Fields Product:
- as a standalone service under the terms of the PayPal Online Card Payment Services Agreement, the fees for which are set out in the PayPal Online Card Payment Services Agreement; or
- as part of our new checkout solution under the terms of the PayPal Online Card Payment Services Agreement and the new checkout solution terms in the PayPal User Agreement, the fees for which are set out in the new checkout solution fees section in the PayPal User Agreement.
Please see the new section “About this Agreement” at the start of the PayPal Online Card Payment Services Agreement for more information about Custom Card Fields and the other products covered by that agreement.
3. Other changes
Sections of the PayPal Online Card Payment Services Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing sections:
Section | Amendment |
New section “About this Agreement” | This is a new section comprised of and clarifying existing provisions explaining our Products, Online Card Payment Services and how the PayPal Online Card Payment Services Agreement applies to you. |
|
|
1.2 (Credit report authorisation) | This section becomes new section 5.4 (Privacy Statement) under renamed section 5 (How our other legal documents apply) with further amendments for context. |
2.6a (Glossary) 2.7 (Blended Pricing or Interchange Plus Transaction Fees?) 3. (Settlement of Card Payments within the Interchange Plus Fee Sturcture) | Together these sections form a new section 3 (Choice of Interchange Plus Fee Structure and Blended Pricing Fee Structure) with further amendments for context. |
6.2 (No warranty) | This becomes new section 9.3. |
New section 6.3 (Ownership of PayPal Hosted Solution and Custom Card Fields information and materials) | This new section sets out the terms of your use of information and materials which we may provide to your and which are able to be used by you when you use PayPal Hosted Solution and/or Custom Card Fields. |
7. (Banking terms for Card Transactions) | This section becomes new section 5.3 (Commercial Entity Agreement) under renamed section 5 (How our other legal documents apply) with further details for context in new section 5.1 and new section “About this Agreement”. |
New section 7 (Custom Card Fields Fraud Management Filters) and new Schedule 3 | This section and schedule contain the terms for your use of Custom Card Fields Fraud Management Filters. |
8.5 (Breach and suspension) | A second paragraph has been added to clarify PayPal’s rights as set out in the first paragraph. |
9.3 (PayPal Hosted Solution and your intellectual property) | This section becomes new section 6.4 (PayPal Hosted Integrations and your intellectual property) with further amendments for context. |
10. (Definitions) | This section is amended to:
|
; and
- correct minor typographical errors.
Notice of amendment to the PayPal User Agreement.
Effective Date: August 19, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Refused Transactions and Refunds
We are amending sections 4.6 (Refused Transactions) and 5.7 (Your Refund Policy, Data Protection, Privacy Policy and Security) and A3.1.2 in Schedule 1 (Table of Fees) to clarify what happens when a payment is refused or later refunded by the recipient (including where the original payment involved a currency conversion and where a currency conversion (and, in some cases, a currency conversion fee) applies to the returned amount).
Section 4.6 is amended accordingly for payers receiving returned payments and is also renamed “Refused Transactions and Refunds sent by the recipient”.
Section 5.7 is amended accordingly for recipients sending refunds or refusing payments and is also renamed “Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security” with a new section 5.7.1 (Refunds and Refused Payments) added for the purpose of this clarification.
Section A3.1.2 in Schedule 1 (Table of Fees) is amended accordingly. Sections 4.6 and 5.7.1 now read as follows (presented in context with their root clauses and with added wording underlined):
“…
4.6 Refused Transactions and Refunds sent by the recipient.
We may allow the recipient of your payment to:
- refuse to accept it; or
- decide to accept it and then use our Service to send you a refund of all or any part of the amount of the payment later.
We will return the amount of any refused payment or refunded payment to your Balance. We will return the amount of an unclaimed payment to your Balance within 30 Days after the date you initiated the payment.
If any amount of any payment is returned to you in any of the ways outlined above, we may convert the returned amount for you into either:
- the currency of the Balance you used for the original payment (before any conversion into the currency received by the recipient happened);
- the original opening currency of your Account; or
- US dollars (opening a Balance in that currency for you, if you don’t have one already).
If the original payment you sent involved a currency conversion, we will convert the returned amount from the currency received by the recipient as follows:
- if the amount is returned within 1 day of the date of the original payment, we will use the transaction exchange rate applicable on the date of the original payment, so that you receive the original amount (including the currency conversion fee you paid) in the original currency you converted from for the original payment; and
- if the amount is returned after 1 day of the date of the original payment, we will use the transaction exchange rate applicable at the time of the conversion of the returned amount. See section 8.2 for more information about how we set the transaction exchange rate. Note that, for the purpose of this particular return conversion:.
If you are registered with PayPal as resident in Spain, the transaction exchange rate includes the Currency Conversion Fee. You agree to bear the currency conversion fee set out at section A3.1.2 in this case..
We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see section 6.
We may decide to not charge your original Funding Source for the original payment in the first place if the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.
The returned amount could be lower in value than your original payment amount. This can happen as a result of:
- the recipient sending you a refund lower in value than your original payment amount. As we are only a payment service provider, we cannot know what you are entitled to from the original payment recipient as a refund or why the recipient sent the refund in a particular amount; or
- transaction exchange rate fluctuations.
PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see section 12).
…
5.7 Refunds, Refused Payments, Your Refund Policy, Data Protection, Privacy Policy and Security.
5.7.1 Refunds and Refused Payments
If you are the recipient of a payment and we allow you to refuse a payment or send a refund of that payment to the payer:
- you alone are (and PayPal is not) responsible for:
- your legal and contractual obligations towards the payer for any amount you return to the payer; and
- any difference between the cost to the payer of making the original payment and the value of the amount returned to the payer (for instance, as a result of transaction exchange rate fluctuations) except to the extent that the refund is a payment executed incorrectly by PayPal (see section 12).
5.7.2 Refund Policy
…
5.7.3 Data Protection and Privacy Policy
…
5.7.4 Security
…
A3.1 Currency Conversion | …
|
…”
2. Fees for receiving Commercial Transaction payments
We are changing our Commercial Transaction payment Fees as follows:
- The Fee for Receiving Domestic payments (Selling) at section A2.2.1 in Schedule 1 (Table of Fees) is changed to 2.90% + Fixed Fee.
- The Fee for Receiving Domestic payments (Selling) for users in Spain using the new checkout solution at section A2.2.2 is changed to:
- 1.20% + Fixed Fee for receiving:
- payments from cards through Custom Card Fields if you are on the Blended Pricing Fee Structure
- card-funded payments from users of our Payments without a PayPal account service; and
- payments from Local Payment Methods;
- Interchange Fee + 1.20% + Fixed Fee for receiving payments from cards through Custom Card Fields if you are on the Interchange Plus Fee Structure; and
- 2.90% + Fixed Fee for receiving all other types of payments.
- 1.20% + Fixed Fee for receiving:
- On and from August 19, 2019 the Merchant rate at section A2.2.2 in Schedule 1 (Table of Fees) no longer applies to any Spanish merchant. In place of the Merchant rate, the standard rate of 2.90% + Fixed Fee applies to each domestic Commercial Transaction payment received by Spanish merchants.
- The additional percentage-based Cross Border Fees set out in the table at section A2.3 of Schedule 1 (Table of Fees) for receiving payments from Northern Europe, US/Canada or Europe II are increasing and are now as follows:
Sender’s country | Cross Border Fee |
Europe I / Northern Europe | 0.5% |
Europe II / US / Canada / Rest of World | 2.0% |
- The Fixed Fee for payments received in UK Pounds Sterling (GBP) at section A4.6 of Schedule 1 (Table of Fees) is increased to 0.30 GBP.
Sections A2 and A4.6 of Schedule 1 (Table of Fees) (presented in context with the column headings) now read as follows (with amendments underlined):
“A2. Commercial Transaction payment Fees
Where there is stated to be a Fixed Fee component, please refer to A4.6 of this Schedule 1 for more details.
Activity or Event | Fee | |||||||||||||
A2.1 Sending (Buying) | Free (when no currency conversion is involved) | |||||||||||||
A2.2 Receiving Domestic payments (Selling) | A2.2.1 Standard rate 2.90% + Fixed Fee Note on the Merchant rate: On and from August 19 2019 the Merchant rate no longer applies to any merchant. In place of the Merchant rate, the standard rate of 2.90% + Fixed Fee applies to each domestic Commercial Transaction payment received by merchants.
A2.2.2 Fees for using the new checkout solution
* See the PayPal Online Card Payment Services Agreement (previously the PayPal Website Payments Pro and Virtual Terminal Agreement) for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices. | |||||||||||||
A2.3 Receiving Cross Border payments (Selling) | The Fee for Receiving Domestic Commercial Transaction payments applies plus an additional percentage-based Cross Border Fee as set out in the table below (depending on the sender’s country).
Note: Cross Border Euro or Swedish Krona payments made between Accounts registered in the European Union or EEA will be treated as Domestic Commercial Transaction payments for the purpose of applying Fees. |
…
A4.6 Fixed Fees for Commercial Transaction payments and Personal Transaction payments (unless otherwise stated) are based on the currency in which the payment is received, as follows:
Currency: | Fee: | Currency: | Fee: |
Australian Dollar: | 0.30 AUD | New Zealand Dollar: | 0.45 NZD |
Brazilian Real: | 0.60 BRL | Norwegian Krone: | 2.80 NOK |
Canadian Dollar: | 0.30 CAD | Philippine Peso: | 15.00 PHP |
Czech Koruna: | 10.00 CZK | Polish Zloty: | 1.35 PLN |
Danish Kroner: | 2.60 DKK | Russian Ruble: | 10.00 RUB |
Euro: | 0.35 EUR | Singapore Dollar: | 0.50 SGD |
Hong Kong Dollar: | 2.35 HKD | Swedish Krona: | 3.25 SEK |
Hungarian Forint: | 90.00 HUF | Swiss Franc: | 0.55 CHF |
Israeli New Shekel: | 1.20 ILS | New Taiwan Dollar: | 10.00 TWD |
Japanese Yen: | 40.00 JPY | Thai Baht: | 11.00 THB |
Malaysian Ringgit: | 2.00 MYR | U.K. Pounds Sterling: | 0.30 GBP |
Mexican Peso: | 4.00 MXN | U.S. Dollar: | 0.30 USD |
…”
4. Other changes
Sections of the PayPal User Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.
Notice of amendment to the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement)
Effective Date: August 19, 2019
You can find the amended PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) below the version of that agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1. Fees
The fee for as outlined in the PayPal User Agreement now applies to each domestic Standard PayPal Payment you receive, instead of the PayPal Standard Rate fee for receiving such payments outlined at section 2.3.
Also, on and from August 19, 2019 the PayPal Merchant Rate outlined throughout section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement ) no longer applies. This means that, in place of the PayPal Merchant Rate:
- the fee for Receiving Domestic payments (Selling) as outlined in the PayPal User Agreement applies to each domestic Standard PayPal Payment you receive; and
- the relevant PayPal Standard Rate applies to card payments you receive under the Blended Pricing Fee Structure or the Interchange Plus Fee Structure.
Section 2 (Fees) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) now reads as follows (with amendments underlined):
“…
2. Fees
2.1 How fees are paid. You agree to pay the fees in this Agreement as they become due without set-off or deduction. You authorise us to (and we may) collect Monthly Fees first from any available Balance in your Account and then also from the funding source(s) registered for your Account, and you authorise us to (and we may) collect fees for receiving payments from the payments you receive before those funds are credited to your account. If we are unable to collect a past due fee from your Account and its funding source(s), we may take action against you as provided in the User Agreement for unpaid fees.
Except as further provided in this Agreement, you agree to pay the fees set out in the User Agreement.
Fees will be charged in the currency of the payment received.
2.2 Monthly Fees
Product | Monthly Fee |
PayPal Hosted Solution | EUR 15.00 |
eTerminal only | EUR 15.00 |
Custom Card Fields | None |
2.3 Transaction Fees for Standard PayPal Payments
The fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the fee for Receiving Domestic payments (Selling) as outlined in the User Agreement applies to each domestic Standard PayPal Payment you receive.
2.4 Transaction Fees for Card Payments under the Blended Pricing Fee Structure
The PayPal Standard Rate of 2.9% + Fixed Fee applies to each domestic payment you receive from a card (Visa or MasterCard) using the Online Card Payment Services under the Blended Pricing Fee Structure.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.
2.5 Transaction Fees for Card Payments under the Interchange Plus Fee Structure
The PayPal Standard Rate of:
Interchange Fee (approximately ranges from 0.10% to 2.0%)
+ 2.5%
+ Fixed Fee
applies to each payment you receive from a card (Visa or MasterCard) using the Online Card Payment Services under the Interchange Plus Fee Structure.
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the PayPal Standard Rate applies.
2.6 Fixed Fees are based on the currency received, as follows:
Argentine Peso: | 2.00 ARS | New Zealand Dollar: | $0.45 NZD |
Australian Dollar: | $0.30 AUD | Norwegian Krone: | 2.80 NOK |
Brazilian Real: | 0.60 BRL | Philippine Peso: | 15.00 PHP |
Canadian Dollar: | $0.30 CAD | Polish Zloty: | 1.35 PLN |
Czech Koruna: | 10.00 CZK | Russian Ruble | 10.00 RUB |
Euro: | €0.35 EUR | Singapore Dollar: | 0.50 SGD |
Danish Kroner: | 2.60 DKK | Swedish Kronor: | 3.25 SEK |
Hong Kong Dollar: | $2.35 HKD | Swiss Franc: | 0.55 CHF |
Hungarian Forint: | 90 HUF | Taiwan New Dollar: | 10.00 TWD |
Israeli New Shekels: | 1.20 ILS | Thai Baht: | 11.00 THB |
Japanese Yen: | ¥40 JPY | Turkish Lira: | 0.45 TRY |
Malaysian Ringgit: | 2 MYR | UK Pounds Sterling: | £0.20 GBP |
Mexican Peso: | 4.00 MXN | US Dollar: | $0.30 USD |
2.7 Merchant Rate
On and from August 19, 2019 the PayPal Merchant Rate no longer applies. In place of the PayPal Merchant Rate, the Transaction Fees outlined in clauses 2.3, 2.4 and 2.5 apply, subject to the rest of this clause 2.
2.8 Additional Transaction Fees
The fee for Receiving Cross Border payments (Selling) applies as outlined in the User Agreement, except that it does not apply to:
- payments received from cards using the Online Card Payment Services under the Interchange Plus fee structure.
2.9 Monthly Reports on Transaction Costs. PayPal shall make available monthly reports on transaction costs (inclusive of interchange fees) for card transactions which you process with PayPal Hosted Solution, Custom Card Fields and eTerminal. These reports will be downloadable from your PayPal account. The reports do not include any Standard PayPal Payments.
…”
- Other changes
Sections of the PayPal Online Card Payment Services Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing sections:
Section | Amendment |
4.2 (Your PCI DSS compliance) | Further clarifications of your obligations regarding your PCI DSS compliance. |
4.4 (Security of Card Data) | This section is moved to section 11 of amended Schedule 1 (Data Security Requirements) |
New section 4.4 (3D Secure) | This new section clarifies your obligations regarding your use of 3D Secure. |
9.3 (No warranty) | A second paragraph has been added to clarify PayPal’s rights as set out in the first paragraph where PayPal hosts your Product. |
Schedule 1 (Data Security) | This schedule is renamed “Data Security Requirements” and is amended in its entirety to outline your obligations regarding data security, including provisions regarding the principles of data security, what to do in case of a data breach, data protection, card data and PCI DSS. |
; and
- correct minor typographical errors.
Notice of Amendment to PayPal Legal Agreements
Issued: March 21, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
You do not need to do anything to accept the changes as they will automatically come into effect on the Effective Dates shown below. Should you decide you do not wish to accept them you can notify us before the Effective Date or any time after that to close your account immediately without incurring any additional charges.
Please review the current Legal Agreements in effect
Notice of amendment to the PayPal User Agreement.
Effective Date: March 21, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
Sections of the PayPal User Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing section:
Section | Amendment |
Section 5.4 (PayPal and your customers) | This section is reorganized to clarify the standards that businesses must adopt at their points of sale in respect of their customer’s use of PayPal. |
; and
correct minor typographical errors.
Notice of Amendment to PayPal Legal Agreements
Issued: January 30, 2019 (for Effective Dates see each individual agreement below)
Please read this document.
We’re making changes to the legal agreements that govern your relationship with PayPal.
We encourage you to carefully review this notice to familiarise yourself with the changes that are being made.
You do not need to do anything to accept the changes as they will automatically come into effect on the Effective Dates shown below. Should you decide you do not wish to accept them you can notify us before the Effective Date or any time after that to close your account immediately without incurring any additional charges.
Please review the current Legal Agreements in effect
Notice of amendment to the PayPal User Agreement.
Effective Date: January 30, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
Sections of the PayPal User Agreement have been amended:
- to clarify and reorganise existing wording, including the following existing sections:
Section | Amendment |
Section 2.6 (Balances in Multiple Currencies) | This section is amended to further clarify how PayPal may allow you to convert money in your Balance into a Balance in another currency. |
Section 5 (Receiving Money) | The start of this Section is amended to further clarify how further terms of use apply to merchants when they have integrated into their online checkout/platform any functionality intended to enable a customer without an Account to send a payment to the merchant’s Account (for instance, using alternative local payment methods).
See also the reminder in respect of local payment methods (LPMs) in the Notice of amendment to the PayPal User Agreement with effective date April 29, 2019 below. |
Section 5.5 (Receiving Money in different currencies.) | This Section is amended to further clarify what PayPal may allow you to do when you receive money in different currencies. |
; and
- correct minor typographical errors.
Notice of amendment to the PayPal User Agreement.
Effective Date: April 29, 2019
You can find the PayPal User Agreement currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.
1) Pay After Delivery
We are adding a new paragraph to the end of Section 3.3 of the PayPal User Agreement (Funding Sources - Bank Accounts) to clarify that, if we choose to offer you access to our Pay After Delivery product and you choose to use it, the Pay After Delivery Terms will also apply to you. You can access the Pay After Delivery Terms here.
The new paragraph in Section 3.3 of the PayPal User Agreement reads as follows:
“PayPal may choose to offer some customers who have linked a bank account as a Funding Source access to Pay After Delivery, which allows a customer to defer a charge to this bank account for a period of time. If you are offered and choose to use this service, the Pay After Delivery Terms will apply.”
2) Local payment methods (LPMs)
By way of reminder for merchants using PayPal to receive Commercial Transaction payments, on 13 November 2018 PayPal started to enable some customers without Accounts to send payments to merchants’ Accounts using alternative local payment methods.
For this purpose, on 13 November 2018, the opening paragraph of Section 5 of the PayPal User Agreement was amended to clarify how further terms of use apply to merchants when they have integrated into their online checkout/platform any functionality intended to enable a customer without an Account to send a payment to the merchant’s Account (for instance, using alternative local payment methods). This includes the PayPal Local Payment Methods Agreement.
At the date of this notice, the opening paragraph of Section 5 reads and applies(and will continue to read and be applied, including on and after the Effective Date) as follows:
“5. Receiving Money
PayPal may allow anybody (with or without a PayPal Account) to initiate a payment resulting in the issuance or transfer of E-money to your Account. By integrating (including having already integrated) into your online checkout/platform any functionality intended to enable a payer without an Account to send a payment to your Account, you agree to all further terms of use of that functionality which PayPal will make available to you on any page on the PayPal or Braintree website (including any page for developers and our Legal Agreements page) or online platform. Such further terms include the PayPal Local Payment Methods Agreement.”
3) Other changes
Sections of the PayPal User Agreement have been amended to clarify existing wording and correct minor typographical errors.
Notice of amendment to the PayPal Privacy Statement
We’re making changes to the Privacy Statement that provides information on how we use your data.
We've provided additional details on how we use data when you transact with your friends, as well as more information on how we use data to prevent fraud and risk.
You can review the changes and the current Privacy Statement here.