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.

This Page

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: 21 May 2026

Amendments to the Terms and Conditions for the Digital PayPal Consumer Debit Card and the Supplemental Terms and Conditions for the Physical PayPal Consumer Debit Card
Effective 7 September 2026:

• We're making minor updates to the wording used to describe PayPal’s termination rights.

Review the updated Terms and Conditions for the Digital PayPal Consumer Debit Card

Review the updated Supplemental Terms and Conditions for the Physical PayPal Consumer Debit Card

Amendments to the PayPal User Agreement – Merchant Obligations for Linked Pay Later Agreements
Effective 7 September 2026:

• We're updating the PayPal User Agreement to clarify merchant obligations in connection with Pay Later offers that qualify as linked credit agreements under applicable consumer credit law.
• If your customers pay via a Pay Later offer that constitutes a linked credit agreement, you will have notification, repayment and indemnification obligations towards PayPal — including in cases of full or partial reversals, or where a customer withholds repayment due to objections arising from the purchase agreement, such as non-delivery or defective performance.
• These changes apply to business (merchant) accounts only. There are no changes for consumers or personal account users.

Review the PayPal User Agreement

This Page

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: 1 May 2026

Amendments to the Platform Delegated PayPal Seller Agreement
Effective 1 May 2026:

• We're updating the Platform Delegated PayPal Seller Agreement to clarify that PayPal may share your information, including financial and transaction data, with your Platform Provider as necessary for the provision of the Services.
• This update clarifies the contractual basis for data sharing and does not change your rights.

Review the Platform Delegated PayPal Seller Agreement

Issued: 26 January 2026

Amendments to the PayPal Business Debit Mastercard Cardholder Agreement
Effective 26 January 2026:

• We're updating the PayPal Business Debit Mastercard Cardholder Agreement to introduce secondary cards for business account holders to be used for business expenses.
• These updates will only apply if you request a secondary card, after the secondary cardholder has completed identity verification, and after acceptance of these terms and conditions in the activation flow.

Review the PayPal Business Debit Mastercard Cardholder Agreement

Amendments to the PayPal Privacy Statement
Effective 30 April 2026:

• We're making other updates to our Privacy Statement to improve clarity and consistency. The new version features a streamlined global structure with additional market-specific sections, as applicable, and it includes information about how we handle personal data within the Hyperwallet services.

Review the updated PayPal Privacy Statement

Upcoming Availability of Virtual Terminal for Business Account Users
Effective 30 April 2026:

• Virtual Terminal will become available to PayPal business account users.
• We're also introducing the applicable Virtual Terminal fees for merchants. These fees apply only to business accounts. There are no changes for consumers or personal account users.

Review the Merchant Fees

This Page

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: 29 September 2025

Amendments to the PayPal Alternative Payment Methods Agreement
Effective 29 September 2025:

• The section titled “Your liability to us” and Annex 1 of the PayPal Alternative Payment Methods Agreement are being updated to clarify that reversals can include missing funds. Annex 1 is also being clarified to indicate which payment methods could be subject to missing funds. This notice is applicable to sellers only.

Review the updated Alternative Payment Methods Agreement

Issued: 15 October 2025

Amendments to the PayPal User Agreement
Effective 22 January 2026:

• We're introducing clarifications for merchants in the Restricted Activities section regarding the promotion of PayPal’s pay later offers, so the language is clearer and aligns with the requirements of the PayPal Advertising Program section.

Review the updated PayPal User Agreement

Amendments to the PayPal Privacy Statement
Effective 22 January, 2026:

• We're updating the PayPal Privacy Statement to improve your experience. You can use information you save with Fastlane to help speed up checkouts and other online shopping tasks, like creating a store account.
• The PayPal Privacy Statement has been updated to include reference to third-party wallets.

Review the updated PayPal Privacy Statement

Amendments to the PayPal Online Card Payment Services Agreement
Effective 22 January, 2026:

• We're making changes to introduce new terms related to the use of Fastlane.

Review the PayPal Online Card Payment Services Agreement

Introduction of Third-party Digital Wallet Terms and Conditions
Effective 22 January, 2026:

• We will offer the option for users to add their PayPal issued cards to a third-party digital wallet.
• The Third- party Digital Wallet Terms and Conditions will only apply to users and specific PayPal issued cards if they use this new service once it is available.

Review the Third-party Digital Wallet Terms and Conditions

Introduction of PayPal Links Terms and Conditions
Effective 22 January, 2026:

• We're introducing a new feature called PayPal Links for consumers that allows you to send and request money with a link. The PayPal Links Terms and Conditions will only apply to you if you agree to them before using this new feature.

Review the PayPal Links Terms and Conditions

This Page

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: 2 September 2025

Introduction of PayPal Links Terms and Conditions

Effective 2 September 2025:

• We're introducing a new feature called PayPal Links for consumers that allows you to send and request money with a link. The PayPal Links Terms and Conditions will only apply to you if you agree to them before using this new feature.

Review the PayPal Links Terms and Conditions

This Page

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: 15 April 2025

Amendments to the PayPal User Agreement

Effective 17 July 2025:

• We are introducing clarifications favorable to consumers regarding PayPal’s decisions and transaction eligibility for Buyer Protection in the PayPal User Agreement including the PayPal Buyer Protection Program.
• As of 15 April 2025, PayPal will apply these amended terms to all, new and existing, users, as these changes are more beneficial, and will not rely on the corresponding provisions in the current User Agreement (last updated on 11 December 2024) and Buyer Protection Program (last updated on 28 January 2022). For existing users, the amended terms will formally become part of their contractual relationship starting on the effective date mentioned above, but PayPal will apply these amended terms in favor of existing users from 15 April 2025.

Review the updated PayPal User Agreement

Review the updated PayPal Buyer Protection Program

Amendments to the PayPal Merchant Fees page

Effective 17 July 2025:

• We are updating the standard fee for receiving transactions using Zettle by PayPal.
• The new standard transaction fee for receiving payments with Zettle by PayPal will be 1.39%.
• We are introducing Payment Links as a new way for merchants to accept payments. Standard transaction fees apply when accepting payments via Payment Links. No action is required to start using Payment Links. Once available, you’ll see the option in your Zettle app.

Review the updated PayPal Merchant Fees page

Amendments to PayPal's Seller Protections Program

Effective 17 July 2025:

• We are revising the ‘Basic Requirements’ for PayPal’s Seller Protection program to include integration requirements for sellers who have integrated a PayPal Checkout product with their website.

Review the updated terms for PayPal’s Seller Protection program

Notices

Issued: 8 May 2025

Introduction of Rewards Program Agreement

Effective 7 May 2025:

• We are introducing a new Rewards Program for consumers. The Rewards Program is a service offered by PayPal to consumers to earn points on eligible transactions.  The Rewards Program Agreement will only apply to consumers if they choose to participate in the Rewards Program and agree to these terms before using this new service.

Review the Rewards Program Agreement

Pay In-Store with PayPal

Effective 7 May 2025:

• PayPal has introduced new functionality to give consumers the ability to pay in-store with PayPal.
• Consumers may request a digital PayPal Consumer Debit Mastercard as well as a physical PayPal Consumer Debit Mastercard funded by your PayPal balance with your linked bank as a backup funding source.
• Customers of these services are required to separately agree to the relevant terms and conditions when they apply to use each service.

Review the Terms and Conditions for the Digital PayPal Consumer Debit Mastercard 

Review the Supplemental Terms and Conditions for the Physical PayPal Consumer Debit Mastercard 

Amendments to the PayPal Business Debit Mastercard® Cardholder Agreement 

Effective 8 May 2025:

• We are updating this agreement for when the PayPal Business Debit Mastercard may be used for in-store payments, once PayPal makes this functionality available.

Review the updated Business Debit Mastercard Terms and Conditions 

Amendments to the PayPal Privacy Statement

Effective 8 May 2025:

• We have made updates to the PayPal Privacy Statement in view of the new Rewards Program and the new PayPal Ads services.

Review the updated PayPal Privacy Statement

This Page

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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes.

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: 11 December 2024

Introduction of Pool Terms and Conditions

Effective: 13 November 2024

• We are introducing a new feature called Pool for consumers. Pool is a feature offered by PayPal to consumers to create a pool to receive funds for a specified purpose, and for contributors to contribute funds to a pool. The Pool terms and conditions will only apply to users if they choose to use Pool and agree to them before using this new feature.
• Users can also learn more about how we use their personal data when they use our Services, including Pool, in the Privacy Statement which has been updated to reflect new functionality

Review the Pool Terms and Conditions

Review the updated Privacy Statement

Amendments to the PayPal User Agreement

Effective 9 January 2025:

• PayPal will not be charging a fee for instant withdrawals to a bank account in the European Economic Area (by way of a SEPA instant payment).

Review the updated Merchant fee page

Review the updated Consumer fee page

Amendments to the PayPal User Agreement

Effective 11 December 2024:

• We are introducing clarifications in the section “Welcome to PayPal” favorable to consumers.

Review the updated PayPal User Agreement

This Page

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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. 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: 24 October 2024

Amendments to the PayPal Business Debit Mastercard® Cardholder Agreement
Effective 24 October 2024

• We are enhancing the PayPal Business Debit Mastercard service to allow PayPal Business Debit Mastercard customers to request a digital Card as well as a physical Card.

Review the updated Business Debit Mastercard Terms and Conditions

This Page

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.

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 may terminate 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. A pdf version of the Key Payment and Service Information document and User Agreement Reference Notes is available using the links below.

Review the updated User Agreement

Key Payment and Service Information

User Agreement Reference Notes

Amendments to the PayPal Online Payment Services Agreement
Effective: 10 October 2024

• We are changing this agreement to introduce a new service, the SEPA Direct Debit service, which will allow merchants to accept SEPA Direct Debits as a payment method. Consequently, we are renaming this agreement to PayPal Online Payment Services Agreement.
• We are also changing our Merchant fee page to introduce new fees relating to this service.
• We are introducing new terms and fees for Fraud Protection Tools, as an optional additional service.

Review the updated PayPal Online Payment Services Agreement

Review the updated Merchant Fees page

Introduction of PayPal Platform Seller Agreement
Effective: 8 July 2024

• We are launching the PayPal Platform Seller Agreement which can be found on the Legal Agreement(s) page.

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 8 July 2024

• We are removing the following redundant sentence in section 3: “The additional percentage-based fee for international commercial transactions set out in the User Agreement does not apply when you receive APM Payments”. This information is already covered in the PayPal Merchant Fee page. Removal of this sentence does not change how PayPal charges for APM Payments or additional percentage-based fees for international commercial transactions.

Issued: 29 August 2024

Amendments to the PayPal Alternative Payment Methods Agreement
Effective: 29 August 2024

• We are updating Annex 1 to reflect the terms applicable to Apple Pay and to add Google Pay as a new payment method.

Review the updated PayPal Alternative Payment Methods Agreement

This Page

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.

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 may terminate your PayPal account prior to the applicable effective date, as described in the User Agreement.

Notices

Issued: 28 March 2024

Amendments to the User Agreement
Effective 28 May 2024:

• Further to our policy update of 21 February 2024, we are correcting typographical errors in the Governing law and Jurisdiction clause which will read as follows:

“Governing law and Jurisdiction

This user agreement and the relationship between us is governed by the laws of England and Wales.

If you are a consumer, mandatory statutory consumer protection regulations in your country of residence shall apply irrespective of the choice of the laws of England and Wales. As a consumer, you may bring any judicial proceedings relating to this user agreement before the competent court of your place of residence, in England and Wales, or where PayPal is based.

If you are acting as a business, you agree to submit to the non-exclusive jurisdiction of the courts in England and Wales.”

Review the updated PayPal User Agreement. For the avoidance of doubt, the link to the User Agreement issued on 28 March 2024 shall be referred to instead of the versions issued on 18 March 2024 and 21 February 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: 18 March, 2024

Amendments to the PayPal User Agreement

Effective: 28 May, 2024

• PayPal is making changes to the clauses on “Closing Your PayPal Account” (new title: “Terminating Your PayPal Account”) of the User Agreement to:
  • clarify which sections apply to consumers and which ones apply to non-consumers,
  • clarify the circumstances when PayPal may terminate accounts immediately for good cause, with prior warning and/or an opportunity to remedy the breach for consumers if reasonable,
  • remove wording on immediate termination when the PayPal account has not been accessed for 3 years,
  • provide more details on the consequences of account termination,
  • expressly refer to the Privacy Statement which clarifies for how long and for which purpose personal data is retained after termination; and
  • provide more details as to when PayPal can discontinue features and services without 2 months' notice.

These amendments are published as of the date this notice is issued, but they will formally take effect on 28 May, 2024 (“Amended Provisions”). In the meantime, for any new claims or rights of PayPal arising after the date of this notice under the section “Closing Your PayPal Account”, we will not enforce our rights under the provisions of the User Agreement dated 16 January 2024 to the extent that they are less favourable for you than the Amended Provisions. Visit the updated PayPal User 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:

• PayPal is making changes to the clauses on ‘Indemnification and Limitation of Liability’ and ‘Governing law and Jurisdiction’ in the section ’Other Legal Terms’ of the User Agreement to:
• make clear which sections of these clauses apply to consumers and which ones apply only to businesses,
• make clear that consumers are only responsible for losses and costs that are attributable to their own actions and that are foreseeable,
• make clear that PayPal cannot avoid liability to consumers for any inaccurate information contained in our correspondence, reports or our website, nor which may be given verbally by our directors, officers and staff,
• make clear that if you are a consumer, mandatory statutory consumer protection regulations in your country of residence shall apply even though the governing law of the User Agreement is England and Wales; and
• using simpler language in some places to make sure certain terms are easier to read and understand.

PayPal has agreed to these changes with the Consumer Protection Cooperation Network. The revised version of the user agreement shall take effect on 28 May 2024.

Review the updated PayPal User Agreement

Amendments to the PayPal Online Card Payment Services Agreement
Effective 28 May, 2024:

• 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.

Review the updated PayPal Online Card Payment Services Agreement

Review the updated Merchant fee page

This Page

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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarise yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the User Agreement.

Notices

Issued: 12 October 2023

Amendments to the PayPal User Agreement
Effective 16 January 2024:

• Pursuant to the EU’s Digital Services Act, we are clarifying how users can complain about content others may create and actions we may take.
• We are clarifying that PayPal may be required to place limitations on your account and/or withhold on certain gross payments received if you do not provide required tax-related information.
• We are updating the ACDC Payments rate to 2.99% + fixed fee, under the ‘Receiving Domestic Transactions using PayPal Online Card Payment Services’ section.
• Merchants can receive donations using Advanced Credit and Debit Card Payment.

Review the updated PayPal User Agreement

Review the updated Merchant fee page

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

Amendments to the PayPal Online Card Payment Services Agreement

Issued: 24 July 2023

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 making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

This Page

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 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 30 Days (Bezahlung nach 30 Tagen) from the Legal Agreement(s) page and User Agreement to this page. The applicable terms are not changing.
• are discontinuing the “Kauf auf Rechnung” services. Accordingly “Kauf auf Rechnung” is being removed from the Legal Agreement(s) page and the User Agreement and will be replaced by “Rechnungskauf”.

Review the updated User Agreement

Amendments to the PayPal Online Card Payment Services Agreement

Effective 19 October 2023:

• the Advanced Credit and Debit Card Payments suite of functionality may include the ability to integrate eligible third-party wallets as add-on features. We’re revising our terms to indicate that if you choose to integrate such add-on features, you agree to the applicable third-party terms via your acceptance of the PayPal Online Card Payment Services Agreement. Such acceptance includes your acknowledgement and agreement that such third-party features and terms are provided, updated, and noticed solely by the relevant third party and not by PayPal.
• we are making clarifications on the availability of the Account Updater Service.

Review the updated PayPal Online Card Payment Services Agreement

Amendments to the PayPal Fundraisers Terms and Conditions

Effective 24 July 2023:

• we are clarifying that donations go directly to the charity receiving the donation and removing references to PayPal Giving Fund as it does not operate in Germany.

Review the updated PayPal Fundraisers Terms and Conditions

This Page

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 effect on the effective date(s) shown below.

Actions Needed

Please carefully review the notice below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you.

If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Amendments to the PayPal User Agreement

We are deleting from the section in the User Agreement headed “Actions We May Take if You Engage in Any Restricted Activities” the provision under which, if you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, PayPal may deduct from any PayPal account you control the sum of USD 2,500 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy (the Clause). We are also deleting references to this Clause in the corresponding heading and removing unnecessary wording relating to damages. These deletions will take effect on 17 July, 2023. In the meantime, for any new claims PayPal may have arising after the date of this notice under the Clause, we will not enforce our rights under such provisions.

Review the updated PayPal User Agreement

Amendments to the PayPal Alternative Payment Methods Agreement

Effective 7 August, 2023

• Apple Pay will be offered as an Alternative Payment Method for paying an invoice.

Review the updated PayPal Alternative Payment Methods Agreement

This Page

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 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.

Amendment to the Terms of Use for Rechnungskauf mit Ratepay

Effective 19 December, 2022:

• We are incorporating upcoming product enhancements including the circumstances when PayPal may share shipping information with Ratepay for improved customer service.
• We are clarifying the reimbursement process for VAT on uncollectable receivables. Review the updated Terms of Use for Rechnungskauf mit Ratepay.

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.
• Moving the PayPal Advertising Program terms to the User Agreement from PayPal’s Seller Protection program.
• Introducing 18 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.

Review the updated PayPal User Agreement

Amendments to the Terms and Conditions for the use of Pay in 30 Days

Effective October 31, 2022:

• We are clarifying that PayPal may make up to three attempts to direct debit your account if required and that an alternative funding source may be used to make a payment for Pay in 30 Days. Review the updated Terms and Conditions for the use of Pay in 30 Days.

Amendment to the Terms of Use for Rechnungskauf mit Ratepay

Effective October 31, 2022:

• We are clarifying PayPal’s ability to clawback a VAT amount where a customer is unable to pay, as well as the Merchant’s responsibility for the VAT amount. Review the updated Terms of Use for Rechnungskauf mit Ratepay.

Amendments to the PayPal Generosity Network Terms and Conditions

Effective October 31, 2022:

• Generosity Network is being renamed as PayPal Fundraisers, and we're updating all relevant references accordingly. In the fee pages, we are only updating the relevant references, not changing the fees themselves.
• In addition, we are removing references to business fundraisers to reflect that only users with personal accounts may create fundraisers.

Review the updated PayPal Fundraisers Terms and Conditions

Review the updated Consumer Fees Page

Review the updated Merchant Fees Page

This Page

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. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Amendments to the PayPal User Agreement

Effective October 31, 2022:

• Business accounts cannot receive personal transactions. Business account holders wishing to receive personal transactions will need to make use of a personal account.
• If you integrate or reference PayPal services on your website, we are clarifying that PayPal may use automated technologies (e.g., website crawling) to assess your website to ensure compliance with the user agreement and to combat fraud.
• Moving the PayPal Advertising Program terms to the User Agreement from PayPal’s Seller Protection program.
• Introducing 18 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.

Review the updated PayPal User Agreement

Amendments to the Terms and Conditions for the use of Pay in 30 Days

Effective October 31, 2022:

• We are clarifying that PayPal may make up to three attempts to direct debit your account if required and that an alternative funding source may be used to make a payment for Pay in 30 Days. Review the updated Terms and Conditions for the use of Pay in 30 Days.

Amendment to the Terms of Use for Rechnungskauf mit Ratepay

Effective October 31, 2022:

• We are clarifying PayPal’s ability to clawback a VAT amount where a customer is unable to pay, as well as the Merchant’s responsibility for the VAT amount. Review the updated Terms of Use for Rechnungskauf mit Ratepay.

Amendments to the PayPal Generosity Network Terms and Conditions

Effective October 31, 2022:

• Generosity Network is being renamed as PayPal Fundraisers, and we're updating all relevant references accordingly. In the fee pages, we are only updating the relevant references, not changing the fees themselves.
• In addition, we are removing references to business fundraisers to reflect that only users with personal accounts may create fundraisers.

Review the updated PayPal Fundraisers Terms and Conditions

Review the updated Consumer Fees Page

Review the updated Merchant Fees Page

This Page

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.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. 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 to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Amendments to the PayPal User Agreement

Effective August 1, 2022 we are:

• Replacing the Pay Later payment method for consumers called “Bezahlung nach 14 Tagen” with the newer Pay Later payment method called “Bezahlung nach 30 Tagen”.
• Amending some of the fees that apply to our services. You can preview all such changes to the PayPal Merchant Fee page by clicking the links below.
• Amending the Reversals clause in the User Agreement to clarify when PayPal will be able to reverse a payment.
• Clarifying the language in the governing law and jurisdiction clause. This reiterates that consumers have mandatory rights to bring cases against us in local courts.

Review the updated User Agreement.

Review the updated Merchant Fees.

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 1^st 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 1^st 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 1^st 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.

Amendments to the Terms of use for Rechnungskauf mit Ratepay

Effective August 1, 2022 we are:

• Clarifying that business account holders need to provide a valid EU and non-Luxembourg VAT ID.

Review the updated Terms of use for Rechnungskauf mit Ratepay

This Page

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. In addition, we are clarifying the right consumers have to withdraw from (or cancel) the PayPal User Agreement, by adding a new notice about this.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Amendments to the PayPal User Agreement

Effective: May 6, 2022, we are:

• Revising PayPal’s Seller Protection program to expand the list of ineligible items to include certain Non-Fungible Tokens (NFTs) with a transaction amount of more than $10,000 USD.
• Revising the 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 and general information on the service.
• 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.

Review the updated Merchant Fee page.

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 agreement:
  • 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.

This Page

This page details 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.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. Subject to the below, these changes are only relevant for non-consumers, except for the clarificatory changes. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. By continuing to use our services after the changes take effect, you agree to be bound by those changes. Otherwise, no further action is needed from you to accept such changes. However, if you would prefer to decline them, then you will need to close your PayPal account prior to the applicable effective date, as described in the user agreement.

Amendments to the PayPal User Agreement

Effective January 28, 2022 we are:

• Relocating PayPal’s Buyer Protection program and Seller Protection program terms to separate web pages. These program terms were accepted at the time you agreed to the user agreement and remain part of the user agreement. The relocation is intended to make the terms easier to locate and navigate.
• Revising PayPal’s Seller Protection program to clarify that proof of shipment and proof of delivery also must include an online verifiable tracking number.
• Clarifying that abuses of our online dispute resolution process, PayPal's Buyer Protection program, and/or PayPal’s Seller Protection program are restricted activities as defined under the user agreement.
• Clarifying that you will not be charged a Standard Dispute Fee for disputes that have met all requirements of PayPal’s Seller Protection program.
• Clarifying that a Minimum Reserve is also known as an Upfront reserve.
• Introducing 14 additional currencies for withdrawals from a PayPal account and clarifying the minimum and maximum fees that may apply where withdrawal transactions are made in these currencies.
• 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

Review the Consumer Fee page and Merchant Fee page

This Page

This page displays policy updates which notify users of important changes to the PayPal Germany 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. Subject to the below, these changes are only relevant for non-consumers. These changes will take place automatically on the corresponding effective date(s) shown below and will become binding if you continue to use our services after the effective date(s).

In addition, we are also introducing a new Pay Later payment method for consumers called “Bezahlung nach 30 Tagen”.

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 a new invoice solution which is reflected in the updated terms relating to invoice payments. This does not replace the existing invoice solution (referred to as “Kauf auf Rechnung”).
• 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.
• We are also introducing a new Pay Later payment method for consumers if they decide to sign up for it called “Bezahlung nach 30 Tagen”. This will not replace the existing Pay Later product and terms for “Bezahlung nach 14 Tagen” until further notice.

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.

This Page

This page displays policy updates which notify users of important changes to the PayPal Germany User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Amendments to the PayPal User Agreement

Effective: August 20 2021

We have updated how PayPal converts currency to use PayPal’s own exchange rate and provided for a currency converter tool.

To review the updated User Agreement, please click HERE.

This Page

This page displays policy updates which notify users of important changes to the PayPal Germany User Agreement or other online agreements, policies, or statements. Please go to “Past Policy Updates” to view previous policy updates.

Upcoming Changes

We’re making changes to certain agreements (listed below) that govern your relationship with PayPal. These changes will take place automatically on the corresponding effective date(s) shown below.

Actions Needed

Please carefully review the notices below and familiarize yourself with the upcoming changes. Otherwise, no further action is needed from you. If you would prefer to decline such changes you will need to close your PayPal account prior to the applicable effective date.

Amendments to the PayPal User Agreement

Effective: July 30 2021

• We are further revising PayPal’s Buyer Protection and Seller Protection to be globally consistent and to further clarify which transactions are eligible for protection.
• We are clarifying how sending or receiving donations are treated.
• We are 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 for the use of "Bezahlung nach 14 Tagen"

We have amended our rights in case of the funding source "bank account" being removed before a customer's payment is completed.

Amendments to the Terms of use for payment upon invoice

We are updating these terms to clarify that for payment upon invoice local German law applies and that the local German courts are competent.

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.

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.

About Your Account – Fees

We have removed the reference to the "merchant rate" as the merchant rate will no longer be offered in Germany. Please note that all references to the merchant rate in the user agreement and on the fees page have therefore been removed.

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 – Refunds and reversals of payments – Dispute fee

We are introducing a dispute fee applicable to sellers.

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.

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

December 16, 2020.

In the event you would prefer to decline these changes and close your account, you can do so prior to December 16, 2020 without incurring any additional charges.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not mentioned in this document. This does also apply where we have corrected or standardized numbering and references.

UPDATES TO THE PAYPAL USER AGREEMENT

Effective date: December 16, 2020

• Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

About Your Account – Opening an Account – Commercial Entity Status

We have amended the wording in the section to reflect that upon reaching certain thresholds or involving certain business segments or activities, the Commercial Entity Agreements can apply to any type of PayPal account you hold.

About Your Account – Opening an Account – Safe use of your PayPal account

In this section, we have added the requirement to keep the number of a phone to which you are the primary user current in your PayPal account profile.

Making A Payment – General provisions for making a payment – Your payment instruction

We added a new paragraph at the end of this section about giving you the option to select certain recipients as "trusted beneficiaries" for a faster payment experience.

Receiving Payments – Refunds and reversals of payments – Chargeback fee

We have added a new section dealing with the Chargeback fee for clarification.

Schedule 1: Table of Fees

A4.1.2. Withdrawing your Balance

In section A4.1.2. we have introduced a fee for withdrawals to a U.S. bank account associated with your PayPal account.

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.

UPDATES TO THE PAYPAL BUSINESS DEBIT MASTERCARD CARDHOLDER AGREEMENT

In section 11., we have added a hyperlink to the Mastercard Currency Conversion Calculator and the ECB rate and we have clarified that we are not obliged to send you message pursuant to the "Cross-Border Fee Regulation" (Regulation (EC) 924/2009).

iZETTLE

We have added new terms for our iZettle service to our Legal Agreements page.

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on

September 14, 2020.

In the event you would prefer to decline these changes and close your account , you can do so prior to September 14, 2020 without incurring any additional charges.

All changes and updates to the legal agreements are on this page highlighted in italic. This highlighting shall ensure better traceability of the changes and updates applied.

Amendments made for linguistic adjustment, to correct or remove orthographical and grammatical mistakes, or changes to the formatting are not highlighted. This does also apply where we have corrected or standardized numbering and references.

Updates to the PayPal User Agreement

Effective date: September 14, 2020

• Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

About Your Account – Managing Your Money in Multiple Currencies – How we convert currency

In this section, we have amended the wording and we are now providing a link to our currency conversion tool.

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

Receiving Payments – PayPal Seller Protection

As with PayPal Buyer Protection, in this section we have re-introduced the PayPal Seller Protection Policy into the user agreement and reworded its terms for global alignment.

Schedule 1: Table of Fees

A3.5. Receiving Payments Through QR Codes in Person

We have introduced a new section A3.5. in our Table of Fees outlining the fees that will apply to (casual) sellers for receiving payments through our new QR code solution.

Updates to the PayPal Business Debit Mastercard Cardholder Agreement

Effective date: June 16, 2020

12. Cashback program

In section 12 we have added the following wording as the new second paragraph:

From time to time, we might increase the cashback rate (for example to 1 %) for a limited period of time. We will announce such promotional campaigns with an increased cashback rate (including eligibility criteria) in email and/or on our website to you.

Please read this document.

We’re making changes to the legal agreements that govern your relationship with PayPal.

We encourage you to carefully review the notices below so that you are familiar with these upcoming changes.

There is no further action needed from you as these changes will take place automatically on the Effective Dates shown below. In the event you would prefer to decline these changes and close your account, you can do so prior to the Effective Date without incurring any additional charges.

Updates to the PayPal Alternative Payment Methods Agreement

Effective Date: March 19, 2020

You can find the current PayPal Alternative Payment Methods Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. No additional fees for receiving international APM payments

We have amended section 3 (Using APM functionality) to clarify that the additional percentage-based fee for receiving international commercial transactions set out in the User Agreement does not apply when you receive APM payments.

Updates to the PayPal Acceptable Use Policy

Effective Date: March 19, 2020

You can find the PayPal Acceptable Use Policy currently in force by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Contact information

The contact information in the sections headed “Activities Requiring Approval” and “Violations of the Acceptable Use Policy” has been updated. Instead of sending an email to PayPal, you can complete a webform to submit your query or filing under those sections.

Updates to the User Agreement

Effective Date: June 16, 2020

• Please click HERE to view an updated copy of the intended changes.

You can find the current PayPal User Agreement by clicking here or accessing it via the “Legal” or “Legal Agreements” footer on most PayPal site pages.

1. Actions We May Take If You Engage In Any Restricted Activities - Violations of the Acceptable Use Policy (new section)

We have added a new section which sets out our rights to deduct amounts in respect of damages which arise when you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy. The new section reads as follows (shown with headings of the root clauses for context and abridged for brevity, with amendments underlined):

“…

Restricted Activities And Holds

…

Actions We May Take if You Engage in Any Restricted Activities

…

If you use your PayPal account primarily for the purposes of your trade, business, craft or profession and you violate the Acceptable Use Policy, then:

• in addition to being subject to the above actions you will be liable to PayPal for the amount of PayPal's damages caused by your violation of the Acceptable Use Policy;
• you acknowledge and agree that USD 2,500.00 (or the prevailing equivalent in the currency of the country in which you reside) per violation of the Acceptable Use Policy is:
  • a reasonable minimum estimate of PayPal's actual damages considering all currently existing circumstances, including the relationship of the sum to the range of harm to PayPal that reasonably could be anticipated;
  • reasonable and proportionate in its application to the provision of the Services to you; and
  • necessary, but no more than sufficient, to protect PayPal’s legitimate interest in your compliance with the Acceptable Use Policy; and

PayPal may deduct such damages directly from any existing balance in any PayPal account you control.

…”

…”

…”

2. Other Legal Terms – Our Rights – Information About You

We have amended the section headed “Other Legal Terms – Our Rights – Information About You” to clarify your obligations to provide PayPal with information about you to facilitate our actions described in the user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. The section headed “Other Legal Terms – Our Rights – Information About You” now reads as follows (shown with headings of the root clauses for context, with amendments underlined):

“…

Other Legal Terms

…

Our Rights

…

Information About You

We may request information from you as we reasonably require to facilitate our actions described in this user agreement, enable us to reduce the risk of fraud or comply with our regulatory (including anti-money laundering) obligations. You must comply with these requests in a timely fashion. This may involve you faxing, emailing or otherwise providing to us at your own expense identification documents and information about your finance and operations (such as your most recent financial statements and merchant processing statements).

…”

3. 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:

Updates to the User Agreement

Effective: 18 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:

1. 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.

UPDATES TO THE PAYPAL USER AGREEMENT – EFFECTIVE DATE AUGUST 19, 2019

With effect towards August 19, 2019 we make the following changes to the PayPal User Agreement:

4.6. Refused Transaction and Refunds sent by the recipient

We have amended clause 4.6. on refused and refunded transactions, with a special focus on transactions which have been subject to a currency conversion:

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 the PayPal Services 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 PayPal Account.

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.

We may also automatically withdraw the returned amount from your Balance and transfer the funds back to the funding source you used for the original payment. Withdrawals can also involve a currency conversion – see Section 6.

We may decide to not charge your original Funding Source for the original payment in the first place if the amount is returned to your Balance as outlined above before the payment from your original Funding Source to PayPal to fund your original payment has settled.

The returned amount could be lower in value than your original payment amount. This can happen as a result of:

• the recipient sending you a refund lower in value than your original payment amount. As we are only a payment service provider, we cannot know what you are entitled to from the original payment recipient as a refund or why the recipient sent the refund in a particular amount; or
• transaction exchange rate fluctuations.

PayPal is not responsible for any loss resulting from the recipient's decision to refuse or refund your payment, except to the extent that a refund sent by the recipient is a payment executed incorrectly by PayPal (see Section 12).

5.8. Your Refund Policy, Data Protection, Privacy Policy and Security

For better overview, we have divided clause 5.8. into sub-clauses. With the exception of adding the sub-clauses 5.8.1., 5.8.2., and 5.8.3. and the respective headlines, we have not applied any further changes:

8. Fees and Currency Conversions

We have divided our previous clause 8.2. Currency Conversion into two sub-clauses (8.2. Currency Conversion and 8.3. Currency Conversion Choices), but did not make any change to the actual content.

UPDATES TO THE PAYPAL USER AGREEMENT – EFFECTIVE DATE OCTOBER 21, 2019

With effect towards October 21, 2019 we make the following changes to the PayPal User Agreement:

9.1. Restricted Activities

In clause 9.1. of we have inserted the new sub-clause 9.1.ii. for clarification:

ii. Use of the PayPal Services in connection with offerings which are illegal in the location where you are using the PayPal Services, including without limitation some online gambling offerings. If you are unsure whether or not a particular offering is illegal in your location, you must confirm the legality of the offering prior to using the PayPal Services in connection with that offering;

We have adjusted the numbering of the subsequent sub-clauses accordingly; other than that clause 9.1. remains unchanged.

A4.1. Currency Conversion Fee

We will increase the Currency Conversion Fee according to clause A4.1. of the PayPal User Agreement from 2.50% to 3.00% as well as some of the fees for other transactions as per the table below:

A4.1. Currency Conversion Fee

For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the payment recipient (Seller) has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 3.00% above the base exchange rate (“Currency Conversion Fee”).

For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the base exchange rate (to form the transaction exchange rate):

Other than that, clause A4.1. and all other provisions of the PayPal User Agreement remain unchanged.

UPDATES TO THE PAYPAL USER AGREEMENT – EFFECTIVE DATE JUNE 10, 2019

All changes to the PayPal User Agreement becoming effective June 10, 2019 refer to the fees we charge for cross-border transaction and are to be found in Schedule 1: Table of Fees of the PayPal User Agreement:

A2. Fees for Personal Transactions

In Section A2. of the PayPal User Agreement, we changed the way we display fees for Domestic Personal Transactions – without making substantial changes – and we have amended and simplified the fees applicable for Cross-Border Personal Transactions. These will now apply irrespective of country corridors and we have added a minimum and maximum fees for such transactions:

A2.1. Fees for Domestic Personal Transactions

For sending Domestic Personal Transactions the following Fees apply:

A2.2. Fees for Cross-Border Personal Transactions

For Cross-Border Personal Transaction we will charge in an amount equal to 5.00% of the respective transaction amount, but in any case at least EUR 0.99 and a maximum of EUR 3.99. We will show you the Fee applicable to the respective transaction prior to the transaction.

For transactions sent in other currencies than euro (EUR), the Fees apply in the respective transaction currency accordingly. For the required currency conversion, clause 8.2. applies.

A4.1. Currency Conversion Fee

In clause A4.1. of the PayPal User Agreement we have increased the Currency Conversion Fee by 0.25 percentage points, so that these fees will now apply as follows:

A4.1. Currency Conversion Fee

For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the payment recipient (Seller) has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 2.50% above the base exchange rate (“Currency Conversion Fee”).

For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the base exchange rate (to form the transaction exchange rate):

Policy Updates

Last update: March 28, 2019

This page shall serve as advance information for PayPal Users with regards to important upcoming changes of the PayPal Services, the PayPal User Agreement, and other policies (collectively, the “Legal Agreements”).

Please read this document carefully. PayPal will change the Legal Agreements with effect to April 29, 2019.

You do not need to do anything to accept the changes as they will automatically come into effect on April 29, 2019.

Subsequently, PayPal will change further changes to the PayPal User Agreement with effect to June 10, 2019 as outlined further below.

Should you decide you do not wish to accept the changes, you can notify us prior to April 29, 2019 or June 10, 2019, respectively, to close your account (https://www.paypal.com.resource.data-analyze.v1.endpoints-api.com/de/cgi-bin/?&cmd=_close-account) immediately 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 April 29, 2019

We have made the following amendments to our PayPal User Agreement:

5. Receiving E-Money

By way of reminder for merchants using PayPal to receive Commercial Transaction payments, on November 13, 2018 PayPal started to enable some customers without Accounts to send payments to merchants’ Accounts using alternative local payment methods.

For this purpose, on November 13, 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 integrate into their online checkout/platform any functionality intended to enable a customer without a PayPal Account to send a payment to the merchant’s PayPal Account (for instance, using alternative local payment methods). This includes the PayPal Local Payment Methods Agreement.

Since November 13, 2018, the opening paragraph of Section 5. has read and been applied (and will continue to read and be applied) as follows:

5. Receiving E-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 PayPal Account. By integrating into your online checkout/platform any functionality intended to enable a payer without a PayPal Account to send a payment to your PayPal 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.

Updates to the PayPal Buyer Protection Policy

We have made the following amendments to our PayPal Buyer Protection Policy:

Throughout the document, we have clarified references to services provided by eBay on other websites, applications or in the scope of other services than those provided on www.ebay.de and we collectively refer to such services as "eBay Services".

Hence, we have added the term and German websites, applications and other services into which eBay Services are integrated where we mention www.ebay.de: In clauses 3.1., 3.3. (twice), 5.3., 6.2.a.

5.1. Timelines

In clause 5.1., we have changed the timelines from a fixed ten days to a more flexible timeline reflecting the individual case:

5.1. Timelines

The Buyer must reply in a timely manner to any questions asked by PayPal in regards to the PayPal Buyer Protection Claim. PayPal may decline the Claim if the Buyer does not provide an answer within the stated timeframe. PayPal may extend this timeframe in case of extraordinary circumstances which are outside the control of the Buyer.

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.

Updates to the PayPal User Agreement – Effective Date June 10, 2019

All changes to the PayPal User Agreement becoming effective June 10, 2019 refer to the fees we charge for cross-border transaction and are to be found in Schedule 1: Table of Fees of the PayPal User Agreement:

A2. Fees for Personal Transactions

In Section A2. of the PayPal User Agreement, we changed the way we display fees for Domestic Personal Transactions – without making substantial changes – and we have amended and simplified the fees applicable for Cross-Border Personal Transactions. These will now apply irrespective of country corridors and we have added a minimum and maximum fees for such transactions:

A2.1. Fees for Domestic Personal Transactions

For sending Domestic Personal Transactions the following Fees apply:

A2.2. Fees for Cross-Border Personal Transactions

For Cross-Border Personal Transaction we will charge in an amount equal to 5.00% of the respective transaction amount, but in any case at least EUR 0.99 and a maximum of EUR 3.99. We will show you the Fee applicable to the respective transaction prior to the transaction.

For transactions sent in other currencies than euro (EUR), the Fees apply in the respective transaction currency accordingly. For the required currency conversion, clause 8.2. applies.

A4.1. Currency Conversion Fee

In clause A4.1. of the PayPal User Agreement we have increased the Currency Conversion Fee by 0.25 percentage points, so that these fees will now apply as follows:

A4.1. Currency Conversion Fee

For currency conversions processed in your PayPal Account outside or prior to a Personal Transaction or a Commercial Transactions (including, but not limited to converting a Balance to another currency before withdrawal) as well as for transaction requiring a currency conversion for which the payment recipient (Seller) has agreed to bear the Fee PayPal shall charge of Fee in an amount equal to 2.50% above the base exchange rate (“Currency Conversion Fee”).

For all other transaction that require a currency conversion and for which the payment recipient (Seller) has not agreed to bear the Currency Conversion Fee, PayPal shall charge the following Currency Conversion Fee, each in percentage above the base exchange rate (to form the transaction exchange rate):