How to Receive Money on PayPal

Make getting paid simple and easy

A group of friends splitting the check in a coffee shop.

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Receiving money through PayPal is as easy as having an email address. It works this way: Someone submits a payment to your account and you receive an email notification that you’ve received a payment.

Then you can either transfer it to your connected checking account, or you can use your PayPal balance through stores online. There’s not much more to it, but there are some things you should know before you get started.

How to Accept Money on PayPal

If you already have an account with PayPal, receiving money is as simple as getting an email. Once someone send you a payment, you’ll get an email from PayPal notifying you that you’ve received the money. The money is automatically credited to your available PayPal balance.

If you don’t have an account, you can sign up for PayPal in just a few steps.

An alternate way to receive money on PayPal is to share your PayPal.Me link. PayPal.Me allows you to share a URL with others where they can send you money without the need of giving out your email address.  

If you have a PayPal account, you can easily create a PayPal.Me link:

  1. Go to the PayPal.Me website.

  2. Click Create Your PayPal.Me Link.

  3. You’re prompted to log into or sign up for a PayPal account. Once you’ve completed the process of logging in or setting up an account, you’ll be prompted to set up your PayPal.Me address.

    A screenshot of setting up a PayPal.Me link on
  4. Upload a photo (this is optional, but it will help your friends know they’re paying the right person).

  5. Choose your link.

    Choose this link wisely. You can only create one, and once you’ve created it, it’s yours for as long as you have a PayPal account.

  6. Click Create a PayPal.Me profile.

How to Find Your PayPal.Me Link

If you already have a PayPal.Me link but you’re not sure what it is, you can find it on your PayPal profile.

Here’s how to find it:

  1. Log into your PayPal account and click the Settings icon in the upper right corner.

    A screenshot of the location of PayPal settings icon.
  2. The page should open to your Account tab. If it does not, click Account.

  3. Look in Profile section of the Account page and just beneath your name and the date you joined PayPal, you should see your PayPal.Me link.

    A screenshot of the location of the PayPal.Me link location on a PayPal account.
  4. You can manage that link (turn it on and off or change the types of payments you accept) by clicking the Manage link.

Fees for Receiving Money Through PayPal

If you plan to receive money through PayPal from friends and family (for example, if you’re splitting the check with your friends and they’re reimbursing you through PayPal), there are no fees applied to your PayPal balance if:

  • The sender is in the same country.
  • The sender is sending you money from their PayPal balance or bank account.

If the sender is using a credit or debit card (rather than a PayPal balance) to send you money, they will have to pay a 2.9% fee plus a fee of up to $4.99 depending on the amount of the transaction.

Senders that are transferring money to you from another country will have to pay a fee of $0.99-$4.99 (depending on the total value of the payment) plus the 2.9% fee and a fixed fee determined by the country of origin. You can find those fees on this table that PayPal keeps updated. As the recipient, however, you should only have to pay any conversion fees that are necessary to convert the funds from a foreign currency to U.S. dollars.

Fees for Transferring Balances From Personal Accounts

If you are a U.S. PayPal account holder, it is usually free to transfer payments you receive from your PayPal account into a connected checking account. The transfer is reviewed and can take 3-5 business days to complete. If you need your money faster, you can also use an eligible debit card to get an Instant Transfer, which usually takes about 30 minutes to complete. There is a fee associated with Instant Transfers of 1% of the total amount transferred, with a total maximum of $10.

There are also transaction and daily limits associated with transferring funds from your personal PayPal account. They are:

  • Up to $5,000 per transaction
  • Up to $5,000 per day
  • Up to $5,000 per week
  • Up to $15,000 per month

Receiving money through PayPal is as easy as giving the sender your email address or PayPal.Me link. It's the transferring where things get a little dicey. However, if you have some patience, you can usually transfer that money to your connected checking account without too much difficulty.