PayPal+ Terms and Conditions

Welcome to PayPal+, our rewards programme. The PayPal+ rewards programme ("PayPal+") is provided to you by PayPal (Europe) S.à r.l. et Cie, S.C.A. ("we", "us" or "PayPal"). These PayPal+ terms and conditions ("Terms") explain how everything works, how you earn and spend rewards points ("Points"), and the great benefits you can get as a PayPal+ member. You can find more details on the PayPal+ page and in your PayPal App. When you sign up for PayPal+, you’re agreeing to these Terms.

These Terms work alongside our PayPal User Agreement and any other terms that govern your PayPal services. If there’s ever a conflict between these Terms and any other terms by PayPal, these Terms take priority for PayPal+.

We make a contractual offer by presenting the Terms to you. When you accept these Terms (for example by tapping “agree and continue”), you accept the Terms for a binding agreement.

PayPal+ lets you earn and spend Points on eligible purchases and take advantage of other special PayPal+ offers and benefits we roll out from time to time.

Here’s what you need to know:

• Your Points can’t be purchased, sold, or transferred to anyone else.
• Points aren’t money or electronic money, and they don’t have a cash value.
• Points aren’t a means of payment or a payment service, and PayPal+ isn’t subject to financial services regulation, even though the PayPal services it relates to may be. You give no consideration to earn Points, and they give you rights against PayPal only when you redeem them.
• You don’t buy Points and we don’t issue them in exchange for money - they’re a reward for using PayPal.
• You can redeem Points with us, as set out in “How You Redeem PayPal+ Points”.
• PayPal issues Points directly to you personally, and you can only redeem them with us as the issuer of the Points according to these Terms.
• Joining PayPal+ is completely voluntary and, unless we tell you otherwise, taking part is free. In future we may offer optional paid features or membership tiers. If we do, we'll show you the price and any fees clearly beforehand, and you'll only pay if you choose to sign up for that paid feature or tier - we won't start charging a fee for the PayPal+ features you already have without your agreement.
• Redemption options and the value of Points may change from time to time; you can look up options and values in your PayPal App or on the PayPal+ page.
• You can opt out anytime if it’s not right for you. 

To participate in PayPal+, you need a personal German PayPal account that’s in good standing (no violations, restrictions, or limitations).

Each person gets just one PayPal+ membership. If you have multiple PayPal accounts, only one can be used for PayPal+. If we notice any attempts to earn Points across multiple accounts, we may view this as a restricted activity under the PayPal User Agreement. In such a case or other violations of these terms, PayPal can suspend or terminate your participation or apply other measures under the PayPal User Agreement. Where reasonable in the circumstances, we’ll first give you a warning or an opportunity to put things right before we suspend or terminate your participation.

Earning Points Through PayPal Spending

You earn Points when you use your PayPal account or other PayPal services to make payments. We’ll show you the Points you can earn for different activities and earning rates on the PayPal App, PayPal+ page, or through our emails and communications. The earning rate that applies is whatever’s current when you complete your purchase or action.

Some transactions and activities don’t earn Points. The exclusions that apply are set out on the PayPal+ page, which we may update from time to time.

We might not be able to tell you if your purchase qualifies for Points or how many Points you’ll earn until after you complete your purchase. Your Points balance in your PayPal App and on the PayPal+ page gets updated once we determine your Points earned.

Earning Events and PayPal+ Offers

Sometimes we run special promotions, limited time offers, and opportunities where you can earn Points ("Earning Events") or enjoy offers with third parties ("PayPal+ Offers"). We may earn commission from third parties participating in or promoting PayPal+.

To earn Points at an Earning Event or enjoy a PayPal+ Offer, just follow the instructions we provide as part of that promotion.

PayPal+ Offers and Earning Events follow these Terms and may have additional terms we’ll tell you about at the time.

We can change the terms for Earning Events and PayPal+ Offers and withdraw them anytime. The version that applies is whatever’s current when you complete your transaction.

Here’s how Points allocation works:

• Points typically show as pending within 1 to 14 days of completing your purchase or Earning Event.
• Points may stay pending for up to 60 days (occasionally longer if there are objectively justified circumstances, such as transaction verification) while we run some checks. You can’t redeem pending Points during this time.
• You’ll see in your PayPal+ App when Points are no longer pending and available to redeem.
• You won’t earn Points for returned items or purchases where you get a full or partial refund or have failed to meet your repayment obligations to us. When this happens, we’ll adjust your Points accordingly.
• If Points were issued due to fraudulent activity, activity that violates the PayPal User Agreement, or activity that violates these Terms or otherwise abuses the PayPal+ programme, we may remove those Points from your Points balance.

You can only redeem Points with PayPal, not with any third party. We’ll show you how in the PayPal App or on the PayPal+ page. We’ll tell you about redemption options and values (including any boosts you’re eligible for) at the time of redemption, and these may have additional terms.

Redemption options may include:

• Redeeming some or all Points with PayPal for money off your purchase at checkout, either as full or partial payment for goods or services when you select a PayPal payment method. The amount of money off and any available boosts will be shown at PayPal checkout.
• If you’re using Points with your PayPal account balance to make a payment, you’ll still need backup funding sources in your PayPal account to complete the transaction and pay for anything not covered by Points. Your backup funding source may also be charged if there’s a payment dispute.

If you receive a full refund or reversal on a transaction where you redeemed Points, we’ll restore those Points to your balance. If you get a partial refund on a payment, you made partly with Points and partly with another funding source, we’ll refund the other funding source first and restore Points only to the extent the refund is more than that amount.

Sometimes we offer additional benefits beyond PayPal Points (for example, a credit to your PayPal account balance for subscriptions or other third-party services). We’ll tell you about these in the PayPal App or on the PayPal+ page.

Any such balance credit is e-money and a regulated product. The PayPal User Agreement applies to any balance credit you receive. We’ll add it to your PayPal account balance, and it won’t appear in your PayPal+ Points balance. These benefits may also be subject to terms and conditions from the relevant third party.

Changes to these Terms will be proposed in text form (e.g. by e-mail) no later than two months prior to the proposed effective date. You may either agree to or reject the changes prior to the effective date.

To the extent such changes are:

• required to implement legislative changes or changes in case law;
• due to changes to the regulatory administrative practice or rulings by a competent administrative authority; or
• of a linguistic nature only or update information (e.g. contact information) regarding PayPal, 

you shall be deemed to have given consent to such changes unless you have notified us prior to the effective date of your rejection. We will explicitly notify you of the effect of deemed consent when proposing the changes.

When we propose such changes, you may also terminate these Terms with us without notice and free of charge prior to such changes taking effect. We will inform you of your termination right when proposing the changes.

Other changes proposed by PayPal shall only become effective with your express consent. In particular, your express consent will be required for any changes that:

• affect any main performance obligations (e.g. fees);
• would be equivalent to the conclusion of a new contract;
• would shift the previously agreed equilibrium between performance and consideration under these Terms to the favor of PayPal; or
• would change the contractual nature of the agreement.

The ways you can earn and redeem Points - including earning rates, earning exclusions, tier thresholds, Earnings Events, redemption options and values - are those we make available from time to time (for example, in the PayPal App, on the PayPal+ page or at PayPal checkout). We may add, change or withdraw any of them on reasonable advance notice. As these options form part of how PayPal+ operates, changing them in this way does not require us to amend these Terms; if you do not agree with a change, you can stop participating in PayPal+ before it takes effect.

Apart from the above, we may amend these Terms from time to time with reasonable advance notice if and to the extent such an amendment is reasonably necessary and provided that the change does not unreasonably disadvantage you.

We may terminate PayPal+ anytime. If we do, we’ll give you at least one month’s notice so you can redeem any remaining Points. You’ll lose all Points associated with your account that aren’t redeemed before the termination becomes effective. To avoid losing your Points, please redeem them during the notice period.

Tax

When you redeem your Points or receive other benefits through PayPal+, these might count as taxable income depending on the tax rules that apply to you. We’ll report what we need to according to the law, but you’re responsible for handling any taxes on your end. We may also ask you for information we need for tax reporting, such as your tax identification number.

If you need support or want to complain about PayPal+, please contact us using the information on this page under Customer Service.

The contractual language is the language of the country in which PayPal+ is offered to you.