PayPal Debit Card: How to Apply & Use Your Card

In addition to using your PayPal account online, you can get a PayPal Debit MasterCard that can be used anywhere MasterCard is accepted. It can also be used at ATMs to withdraw cash from your account.

Requesting a Card

To request a PayPal Debit MasterCard, log in to your PayPal account and go to Tools. Click Get a Card Today after the start page opens.

Image Credit: Image courtesy of PayPal

Tip

PayPal refers to the debit card as a Business Debit card whether your PayPal account is a personal or a business account.

Verify your name, mailing address and phone number. If changes need to be made, click Edit and follow the prompts to update your information. After verifying the information, click Agree and Continue.

Image Credit: Image courtesy of PayPal

Tip

You may be asked to upgrade to a business account during the registration process. Upgrading only applies to the debit card and not your overall PayPal account.

A confirmation page lets you know that the request is being processed. Upon approval, you can expect to receive your card in seven to 10 business days.

Image Credit: Image courtesy of PayPal

Activating Your New Card

When you receive your card, activate it online by visiting your PayPal account page and following the prompts. Alternatively, call the toll-free number provided on the card. Choose a four digit PIN to complete activation.

How it Works

After activation, the card can be used anywhere MasterCard is accepted. Swipe the card just like any debit card. Enter your PIN for most purchases. It can also be used online at websites that don't accept PayPal. Choose the credit card option at checkout.

Benefits of a PayPal Debit Card

Having a PayPal Debit Card gives you the option to use your PayPal account at land-based stores and online at websites that don't accept PayPal. You benefit from all the privacy protections of your PayPal account.

Tip

Just like your online PayPal account, any of your connected bank accounts can be designated to fund purchases made with the PayPal Debit Card.

Drawbacks to a PayPal Debit Card

Having a PayPal Debit Card isn't the same as having a line of credit or a bank account. There is no overdraft protection if you try to charge an amount greater than what you have in your account.

Tip

For added protection, link a bank account to your debit card as a backup payment method if you don't have enough in your account at the time of a purchase.