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 France PayPal Agreement(s)

This Page

This page details and/or previews updates to PayPal users of changes to the France 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

Minor editorial corrections to the PayPal Merchant Fee Page
Effective: 10 October 2024

We are correcting the following error on the PayPal Merchant fee page.

In the Other Fees table, the FR Business Debit card - cash withdrawal fee of 2.00 EUR per transaction is added. This fee applies to cash withdrawals at an ATM (inside and outside France).

Review the updated PayPal Merchant Fee 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 France PayPal Agreement(s)

This Page

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

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 Consumer Fee Page and Merchant Fee Page
Effective 28 May, 2024:

We are removing this sentence from the French language version of the Consumer Fee Page: “Certaines transactions internationales bénéficient des conditions tarifaires nationales. Il s'agit des transactions internationales en euros (EUR) ou en couronnes suédoises (SEK) dans lesquelles l'expéditeur et le destinataire résident tous deux dans l'Espace économique européen (EEE) d'après les renseignements figurant sur leur compte PayPal ou les informations dont nous disposons.” We are removing this sentence to clarify that we consider payments between senders and receivers who are both identified by PayPal as residents of the European Economic Area (EEA) to be domestic payments for the purposes of our fees. This sentence has already been removed from the English language version of the Consumer Fee page.
We are correcting the phrase “PayPal Online Card Payment Services Agreement” by adding the word “Payment” in the hyperlink contained in the English language version of the Merchant Fee Page.

Last updated on 12 October 2023

Notice of Amendment(s) to the France PayPal Agreement(s)

This Page

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

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.
We are updating the ‘Receiving domestic transactions using PayPal Online Card Payment Services’ section to include the option to be charged under the Interchange Plus Plus Fee Structure.
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.
We are adding language to clarify that 1.20% +fixed fee will be charged for Advanced Credit and Debit Card Payments - Blended Pricing Fee Structure.

Review the updated PayPal User Agreement

Review the updated Merchant fee page

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

Effective 19 October 2023:

we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated User Agreement

Review the updated Merchant fee page

Review the updated Consumer fee page

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 France PayPal Agreement(s)

This Page

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 4X terms and conditions from the Legal Agreement(s) page and User Agreement to this page. The applicable terms are not changing.

Effective 19 October 2023:

we are introducing a new service fee of 1% of the transaction amount for instant withdrawals in Belgium, France, Italy, Luxembourg, the Netherlands and Portugal.

Review the updated User Agreement

Review the updated Merchant fee page

Review the updated Consumer fee page

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

Notice of Amendment(s) to the France PayPal Agreement(s)

Issued: 8 June, 2023

This Page

This page details and/or previews updates to PayPal users of changes to the France 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

Effective 14 August, 2023:

We are expanding PayPal services in overseas departments. Mayotte users are subject to the French Legal Agreements for PayPal Services as applicable from the effective date. Our terms are being updated accordingly.

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 France PayPal Agreement(s)

Issued: 9 August, 2022

This Page

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

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.
We are clarifying that PayPal may reverse a payment if you receive(d) compensation from your bank.

Review the updated PayPal User Agreement

Notice of Amendment(s) to France PayPal Agreement(s)

Issued: May 10, 2022

This Page

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

Amendments to the PayPal User Agreement

Effective August 1, 2022 we are clarifying:

the Reversals clause in the User Agreement to make it clearer when PayPal will be able to reverse a payment.
the language in the governing law and jurisdiction clause. This reiterates that consumers have mandatory rights to bring cases against us in local courts.

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 France PayPal Agreement(s)

Issued: February 11, 2022

This Page

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

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 France PayPal Agreement(s)

Issued: October 29, 2021

This Page

This page details updates to PayPal users of changes to the France 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

Amendments to the Pay After Delivery terms

Effective 29 October 2021, we are:

Discontinuing and retiring the Pay After Delivery product. As such, all references of Pay After Delivery have been removed from 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.
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

Notice of Amendment(s) to France Agreement(s)

Issued: August 11, 2021

This Page

This page displays policy updates which notify users of important changes to the PayPal France 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 France Agreement(s)

Issued: June 21 2021

This Page

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 France Agreement(s)

Issued: April 29 2021

This Page

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

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 introducing an inactivity fee for business accounts in an amount of EUR 10.00. The inactivity fee does not apply to personal accounts.
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.

Introduction of Pay Later Messaging Program Terms

We are introducing terms for merchants governing the messaging of our new Pay Later services.

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.

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: 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.

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. Fees for Withdrawing your Balance

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.

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.

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 French PayPal site.

Updates to the 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 2.6 Fixed Fees

We have amended section 2.6 Fixed Fees. The new section reads as follows (with amendments underlined):2.6. 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 Krone:	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 Shekel:	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

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.

2. Annex 1 – APMs

We have amended Annex 1 to introduce Blik (as a standalone service), Multibanco, POLi and Trustpay as new APMs.

3. Other changes

Sections of the PayPal Alternative Payment Methods Agreement have been amended to clarify and reorganise existing wording and correct minor typographical errors.

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 or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Changes of names of various products and functionalities

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

Other changes

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. Pay in 4X facility

We have added a new paragraph to the section “Linking and Unlinking Your Funding Source” to provide that PayPal may offer some customers the possibility to pay for eligible purchases made using PayPal in four instalments within three months, through its Pay in 4X facility.

The amended section reads as follows (abridged for brevity, with amendments underlined):

“Linking and Unlinking a Funding Source

All money in your account is legally termed “electronic money”, which is recognised throughout the European Economic Area as a form of money suitable for use online.

You can use a funding source as a way to pay us to obtain electronic money in your account or to receive withdrawals from your account, as further outlined in this user agreement (see in particular Adding or Withdrawing Money and Funding your Payment.

You can link or unlink a credit card, debit card, a prepaid card (where available) a bank account or PayPal Credit (where available) to your PayPal account as a funding source.

PayPal may choose to offer some customers access to its Pay in 4X facility, which allows a customer to pay for eligible purchases made using PayPal in four instalments within three months. If you are offered and choose to use this service, the Pay in 4X’ Terms and conditions will apply.

...”

2. 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.

…”

3. 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).

…”

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

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

Our Custom Card Fields Fraud Management Filters functionality is now called Fraud Protection.

We have amended the section headed “About this Agreement” 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.

the following functionalities are now optional additional services in the Advanced Credit and Debit Card Payments suite of functionality:

any Hosted Solution functionality;

the Vaulting Tool; and

the Account Updater Service

The section headed “About this Agreement” now reads as follows (abridged for brevity and shown with headings of root clauses for context, with amendments underlined):

About this Agreement

…

By integrating or using any of the Products or Online Card Payment Services 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:

Hosted Solution - a suite of functionality consisting of Express Checkout, Direct Payments API, E-Terminal and Fraud Management Filters as standard. Optional additional services include Fraud Protection, Advanced Fraud Management Filters and the Recurring Payments Tool.
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 Hosted Solution functionality;
the Vaulting Tool; and
the Account Updater Service.

E- Terminal – the E-Terminal functionality as a standalone Product.

…”

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.

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.

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.

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: 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 the notices below so that you are familiar with these upcoming changes.

Notice of amendment to the PayPal User Agreement.

Effective Date: August 19, 2019

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.

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 solutionA2.2.2 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

Blended Pricing Fee Structure

Interchange Plus Fee Structure

3.5%

Fee

1.20% + Fixed Fee

Interchange Fee + 1.20% + Fixed Fee

1.20% + Fixed Fee

2.90% + Fixed Fee

* See the PayPal Online Card Payment Services Agreement (previously the 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, Carte Bancaire, Cofidis, Cetelem and Cofinoga	2.30% + Fixed Fee
eTerminal	Visa, Mastercard, Carte Bancaire, Cofidis, Cetelem and Cofinoga	3.40% + Fixed Fee
Custom Card Fields	Visa, Mastercard, Carte Bancaire, Cofidis, Cetelem and Cofinoga	1.20% + Fixed Fee
Custom Card Fields	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.

2.5. Transaction Fees for Card Payments under the Interchange Plus Fee Structure

The following fees apply to each domestic payment you receive from the following types of cards using the following Products under the Interchange Plus Fee Structure:

Product	Card Type	Fee
PayPal Hosted Solution	Visa, Mastercard and Carte Bancaire	Interchange Fee (approximately ranges from 0.20% to 2.00%) + 2.10% + Fixed Fee
PayPal Hosted Solution	Cofidis, Cetelem and Cofinoga	2.90% + Fixed Fee
eTerminal	Visa, Mastercard and Carte Bancaire	Interchange Fee (approximately ranges from 0.20% to 2.00%) + 3.20% + Fixed Fee
eTerminal	Cofidis, Cetelem and Cofinoga	2.90% + Fixed Fee
Custom Card Fields	Visa, Mastercard and Carte Bancaire	Interchange Fee (approximately ranges from 0.20% to 2.00%) + 1.20% + Fixed Fee
	Cofidis, Cetelem and Cofinoga	2.90% + Fixed Fee
	American Express	3.5%

…”

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 PayPal Legal Agreements

Issued: 1 August, 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.

Notice of amendment to the PayPal User Agreement.

Effective Date: 21 October, 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 3.75% 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

3.0 % above the base exchange rate (to form the transaction exchange rate)

A3.1.2 For all other transactions involving a currency conversion (including conversion of amounts returned to you as refunds or refused payments) and for which the seller has not agreed to bear the conversion fee:

Between 3.0% and 4.0% above the base exchange rate (to form the transaction exchange rate) depending on the currency into which the relevant amount is converted (please refer to the table below).

Currency and Code	Currency Conversion Fee
Australian Dollar (AUD):	4.0%
Brazilian Real (BRL):	4.0%
Canadian Dollar (CAD):	4.0%
Czech Koruna (CZK):	4.0%
Danish Krone (DKK):	4.0%
Euro (EUR):	4.0%
Hong Kong Dollar (HKD):	4.0%
Hungarian Forint (HUF):	4.0%
Israeli Shekel (ILS):	4.0%
Japanese Yen (JPY):	4.0%
Malaysian Ringgit (MYR):	4.0%
Mexican Peso (MXN):	4.0%
New Zealand Dollar (NZD):	4.0%
Norwegian Krone (NOK):	4.0%
Philippine Peso (PHP):	4.0%
Polish Zloty (PLN):	4.0%
Russian Ruble (RUB):	4.0%
Singapore Dollar (SGD):	4.0%
Swedish Krona (SEK):	4.0%
Swiss Franc (CHF):	4.0%
Taiwan New Dollar (TWD):	4.0%
Thai Baht (THB):	4.0%
U.K. Pounds Sterling (GBP):	4.0%
U.S. Dollar (USD):	4.0%

….

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 notice 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: June 6, 2019

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. 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 capabilities 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 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 capabilities:

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 Hosted Solution and eTerminal Agreement ), when you use:
- our Custom Card Fields service as part of the new checkout solution; and
- our 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 Hosted Solution and eTerminal 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

Payments from cards (Visa, Mastercard or Maestro) using Custom Card Fields*

Card-funded payments from users of our Payments without a PayPal account service

Payments from Local Payment Methods

Other payments

Blended Pricing Fee Structure

Interchange Plus Fee Structure

Fee

1.20% + Fixed Fee

Interchange Fee + 1.20% + Fixed Fee

1.20% + Fixed Fee

2.90% + Fixed Fee

* See the PayPal Online Card Payment Services Agreement (previously the PayPal Hosted Solution and eTerminal Agreement) for information about the Interchange Plus Fee Structure and Blended Pricing Fee Structure and your choices.…

… ”

2. Other changes

Sections of the PayPal User Agreement have been amended:

to clarify and reorganise existing wording, including the following existing sections:

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: June 6, 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 Solution 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. Fees

On and from June 6, 2019 the PayPal Standard Rate fee for payment received from Cofidis, Cetelem and Cofinoga cards as outlined in section 5 (Transaction Fees for Card Payments under the Interchange Plus Fee Structure) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) is reduced to 2.9% instead of 3.4%, both under the PayPal Hosted Solution and eTerminal.

Section 5 (Transaction Fees for Card Payments under the Interchange Plus Fee Structure) of the PayPal Online Card Payment Services Agreement (formerly the PayPal Hosted Solution and eTerminal Agreement) now reads as follows (with amendments underlined):

“…

5. Transaction Fees for Card Payments under the Interchange Plus Fee Structure

The PayPal Standard Rate as outlined in the table below applies to each domestic payment you receive from a card using the Online Card Payment Services under the Interchange Plus Fee Structure.

*If you receive a payment:*	*the PayPal Standard Rate fee:*
	*with PayPal Hosted Solution:*		*with eTerminal:*
	for Visa, MasterCard and Cartes Bancaires cards is:	for Cofidis, Cetelem and Cofinoga cards is:	for Visa, MasterCard and Cartes Bancaires cards is:	for Cofidis, Cetelem and Cofinoga cards is:
from a card using the Online Card Payment Services	Interchange Fee (approximately ranges from 0.20% to 2.00%) + 2.1% + Fixed Fee	2.9% + Fixed Fee	Interchange Fee + 3.2% + Fixed Fee	2.9% + Fixed Fee

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”.

4. 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.

1.3 (Credit report authorisation) 1.4 (Your Information)	Together these sections become 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.
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.
9.4 (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: clarify the following definitions: Direct Payments API; Express Checkout; Hosting Option; Online Card Payment Services; PayPal Hosted Integration; PayPal Hosted Solution; Product; Standard PayPal Payments and eTerminal; replace the definition of Data Protection Directive with the definition of General Data Protection Regulation; and introduce the following new defined terms: Custom Card Fields API; Custom Card Fields Fraud Management Filters; Custom Card Fields; and Self Hosted Integration.

; 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), 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 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 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); and
- we will retain all the fees you paid to us as the recipient of the original payment (see also section A3.4 Commercial Transaction Refunds in Schedule 1);

5.7.2 Refund Policy

…

5.7.3 Data Protection and Privacy Policy

…

5.7.4 Security

…

A3.1 Currency Conversion

…

A3.1.2 For all other transactions involving a currency conversion (including conversion of amounts returned to you as refunds or refused payments) and for which the seller has not agreed to bear the conversion fee:

…

…”

2. 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 User Agreement.

Effective Date: June 6, 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 – Cross Border Personal Transaction payments

We are changing the fees for sending Cross Border Personal Transaction payments (except where sent to the EEA in Euro or Swedish Krona) as set out at section 1.2.2 (Other Cross Border Personal Transaction payments) of Schedule 1 (Table of Fees). Section A.1.2.2 of Schedule 1 (Table of Fees) now reads as follows (with amendments underlined):

“A1.2.2 Other Cross Border Personal Transaction payments

Activity

Fee

Sending a Cross Border Personal Transaction payment

5% of the transaction amount.

The minimum fee is 1.99 EUR and the maximum fee is 3.99 EUR.

…”

2. Fees - 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 of Schedule 1 (Table of Fees) is changed to 2.90% + Fixed Fee.
On and from June 6, 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.
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*
Northern Europe	0.5%
US / Canada	2.0%
Europe II	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.
The Fixed Fee for payments received in Euro (EUR) at section A4.6 of Schedule 1 (Table of Fees) is increased to 0.35 EUR.

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):

“…

A2.1 Sending (Buying)

Free (when no currency conversion is involved)

A2.2 Receiving Domestic payments (Selling)

A2.2.1 France Standard rates:

2.90% + Fixed Fee

Note on the Merchant rate: On and from June 6, 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.

A2.3 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).

*Sender’s country*	*Cross Border Fee*
Northern Europe	0.5%
Europe I	0.5%
Europe II	2.0%
US / Canada	2.0%
Rest of World	2.0%

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

…”

3. Fees – Currency Conversion Fees

We are increasing the Currency Conversion Fees at section A3.1.2 (For all other transactions involving a currency conversion and for which the seller has not agreed to bear the conversion fee) in Schedule 1 from 3.5% to 3.75% 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):

“…

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

2.5% above the base exchange rate (to form the transaction exchange rate)

A3.1.2 For all other transactions involving a currency conversion and for which the seller has not agreed to bear the conversion fee:

Between 3.0% and 4.0% above the base exchange rate (to form the transaction exchange rate) depending on the currency into which the relevant amount is converted (please refer to the table below).

Currency and Code	Currency Conversion Fee
Australian Dollar (AUD):	4.0%
Brazilian Real (BRL):	4.0%
Canadian Dollar (CAD):	3.75%
Czech Koruna (CZK):	3.75%
Danish Krone (DKK):	3.75%
Euro (EUR):	3.75%
Hong Kong Dollar (HKD):	4.0%
Hungarian Forint (HUF):	3.75%
Israeli Shekel (ILS):	4.0%
Japanese Yen (JPY):	4.0%
Malaysian Ringgit (MYR):	4.0%
Mexican Peso (MXN):	4.0%
New Zealand Dollar (NZD):	4.0%
Norwegian Krone (NOK):	3.75%
Philippine Peso (PHP):	4.0%
Polish Zloty (PLN):	3.75%
Russian Ruble (RUB):	3.75%
Singapore Dollar (SGD):	4.0%
Swedish Krona (SEK):	3.75%
Swiss Franc (CHF):	3.75%
Taiwan New Dollar (TWD):	4.0%
Thai Baht (THB):	4.0%
U.K. Pounds Sterling (GBP):	3.75%
U.S. Dollar (USD):	3.75%

..."

4. Fees – Commercial Transaction Refunds

We are changing and reorganising section A3.4 (Commercial Transaction Refunds) of Schedule 1 (Table of Fees) 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.

…”

5. 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 Hosted Solution and eTerminal Agreement

Effective Date: June 6, 2019

You can find the amended 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 Receiving Domestic payments (Selling) 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 clause 2.3.

Also, on and from June 6, 2019 the PayPal Merchant Rate outlined throughout section 2 (Fees) of the PayPal Hosted Solution and eTerminal Agreement no longer applies. 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 Hosted Solution and eTerminal Agreement now reads as follows (with amendments underlined):

“2. Fees

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 PayPal to (and PayPal 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 PayPal to (and PayPal may) collect fees for receiving payments from the payments you receive before those funds are credited to your account. If PayPal is 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.

See the Glossary at clause 2.6 for further reference.

2. Monthly Fees

*Product*	*Monthly Fee*
*PayPal Hosted Solution*	EUR 25.00
*Virtual Terminal only*	EUR 20.00

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 June 6, 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.

4. Transaction Fees for Card Payments under the Blended Pricing Fee Structure

The PayPal Standard Rate of 2.3% + Fixed Fee applies to each domestic payment you receive from a card using PayPal Hosted Solution under the Blended Pricing Fee Structure.

The PayPal Standard Rate of 3.4% + Fixed Fee applies to each domestic payment you receive from a card using eTerminal under the Blended Pricing Fee Structure.

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.

5. Transaction Fees for Card Payments under the Interchange Plus Fee Structure

The PayPal Standard Rate as outlined in the table below applies to each domestic payment you receive from a card using the Online Card Payment Services under the Interchange Plus Fee Structure.

*If you receive a payment:*	*the PayPal Standard Rate fee:*
	*with PayPal Hosted Solution:*		*with eTerminal:*
	for Visa, MasterCard and Cartes Bancaires cards is:	for Cofidis, Cetelem and Cofinoga cards is:	for Visa, MasterCard and Cartes Bancaires cards is:	for Cofidis, Cetelem and Cofinoga cards is:
from a card using the Online Card Payment Services	Interchange Fee (approximately ranges from 0.20% to 2.00%) + 2.1% + Fixed Fee	3.4% + Fixed Fee	Interchange Fee + 3.2% + Fixed Fee	3.4% + Fixed Fee

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.

6. Glossary

a. Interchange Fees are set by Visa, MasterCard and Cartes Bancaires. They approximately range from 0.20% to 2.00% and vary for different types of cards (for example by categories and brand). PayPal shall always charge you the Interchange Fee as set by Visa, MasterCard and Cartes Bancaires and as passed on by its Acquirer. Single Interchange fees may change from time to time. For more information on Interchange Fees, please see MasterCard’s, Visa’s and Cartes Bancaires’s website as well as our simplified overview.

b. Percentage-based fees (such as 3.4%) refer to an amount equal to that percentage of the payment amount.

c. 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:*	*€0.25 EUR*	Singapore Dollar:	0.50 SGD
Danish Kroner:	2.60 DKK	Swedish Krone:	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 Shekel:	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

7. Blended Pricing or Interchange Plus Transaction Fees?

When you receive card payments using any of our Online Card Payment Services via Hosted Solution or Virtual Terminal:

the Blended Pricing fee structure shall apply until PayPal implements the Interchange Plus fee structure (which shall be by further notice of the same published by PayPal on a date falling on or after 9 June 2016 on the Policy Updates page accessible via the Legal footer on most PayPal site pages) (“Interchange Plus Launch”);
you may choose the fee structure applicable to you on or after Interchange Plus Launch, by the methods or procedures that PayPal may make available to you before and after Interchange Plus Launch. If you do not make an election, you will stay on your previous fee structure.

You may choose your fee structure for future transactions only, not for past transactions.

8. Merchant Rate

On and from June 6, 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.

9. Additional Transaction Fee for Receiving Cross Border Payments

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

10. 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 and eTerminal. These reports will be downloadable from your PayPal account. The reports do not include any Standard PayPal Payments.”

2. Other changes

Sections of the PayPal Hosted Solution and eTerminal Agreement have been amended to clarify and reorganise existing wording 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. For instance, we don’t support payments in Indian Rupee, so all remaining references to Indian Rupee have been removed to clarify this point.

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.