Policy Updates

Policy Updates

Last updated on 13 October 2026

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

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This page details and/or previews updates to PayPal users of changes to the Germany 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: 13 October 2026

Efective November 20, 2026:

Amendments to the Terms of Use for Rechnungskauf with Ratepay:

PayPal is updating the Terms of Use for Pay Upon Invoice (Rechnungskauf mit Ratepay) for merchants offering this payment method to their customers, including a restriction of use in light of the German implementation of EU's Consumer Credit Directive II (CCD II). The updates include the following:

  • PayPal is requiring merchants to represent that they qualify as a small or medium-sized enterprise (SME) under EU law to remain eligible for the standard 30-day customer payment due date, and to notify PayPal if they no longer qualify.
  • Merchants that do not qualify as an SME will have the option to shorten the payment due date to 14 days upon alignment with PayPal, otherwise may have Rechnungskauf with Ratepay removed as a payment method.
  • PayPal is expanding indemnification rights so merchants indemnify PayPal for losses from misrepresenting their SME status.
  • PayPal is adding its ability to offer bespoke terms to specific merchants (e.g., by cart amount or for B2B transactions).

Please review the updated terms below. By continuing to offer Rechnungskauf with Ratepay after the effective date, you agree to be bound by these changes.

Review the updated Terms of use for Rechnungskauf mit Ratepay