How Do I Send Money To Someone From PayPal?

Sending money to someone via PayPal is simple, and this article from money-central.com will explain the ins and outs of how to send funds securely, whether it’s for goods and services or just a friendly exchange. We will cover step-by-step instructions, different methods and international transfers, ensuring your transactions are smooth and secure and for further insights, explore our resources on digital finance, payment platforms and online banking solutions.

1. What Are The Ways To Send Money Via PayPal?

You can send money via PayPal using their website, mobile app, or even a PayPal.Me link. PayPal offers multiple avenues for transferring funds, ensuring flexibility and convenience for its users.

Here’s a detailed breakdown:

1.1 Using the PayPal Website

The PayPal website offers a straightforward method to send money.

1. Log In: Go to the PayPal website and log into your account.
2. Navigate to Send & Request: Click on the “Send & Request” tab at the top of the page.
3. Enter Recipient Details: Type in the recipient’s name, PayPal username, email address, or mobile number.
4. Enter Amount and Currency: Input the amount you wish to send and select the appropriate currency.
5. Add a Note: Include a note if necessary for context or personal reasons.
6. Select Payment Type: Choose between “For Goods and Services” or “For Friends and Family”.
7. Choose Payment Method: Select your preferred payment method, such as a bank account or credit card.
8. Review and Send: Review all the details and click “Send Payment Now” to complete the transaction.

1.2 Using the PayPal Mobile App

The PayPal mobile app provides a convenient way to send money on the go.

1. Open the App: Launch the PayPal app on your smartphone.
2. Tap Send/Request: Tap on the “Send/Request” option.
3. Enter Recipient Details: Input the recipient’s name, @username, email, or mobile number. You can also select a contact from your list.
4. Enter Amount and Currency: Enter the amount and choose the currency.
5. Add a Note: Include a note if you wish.
6. Select Payment Type: Choose “For Goods and Services” or “For Friends and Family”.
7. Review and Send: Review the information and tap “Send” to finalize the payment.

1.3 Using PayPal.Me

PayPal.Me links provide an easy way to request and send money.

1. Click the Link: Click the PayPal.Me link you received or enter it into your browser.
2. Click Send: Click the “Send” button.
3. Enter Amount: Enter the amount you want to send.
4. Add a Note: Add a note if needed.
5. Choose Payment Type: Select “For Goods and Services” or “For Friends and Family”.
6. Choose Payment Method: Select your payment method.
7. Review and Send: Review the details and click “Send Payment Now”.

2. What Information Do I Need To Send Money To Someone On PayPal?

To send money to someone on PayPal, you typically need their email address, mobile number, PayPal username, or name. Having the correct information ensures the money reaches the intended recipient without any issues.

2.1 Email Address

An email address is one of the most common ways to send money via PayPal. Ensure that the email address is the one associated with the recipient’s PayPal account.

2.2 Mobile Number

You can also use the recipient’s mobile number if it is linked to their PayPal account. This method is particularly convenient when you have the recipient’s number saved in your contacts.

2.3 PayPal Username

If you know the recipient’s PayPal username, you can use it to send money. A PayPal username is a unique identifier that some users choose for their account.

2.4 Name

In some cases, you can send money using the recipient’s name. However, this method might require additional verification to ensure the correct person is selected, especially if multiple users share the same name.

2.5 Verification

PayPal may require additional verification steps, especially for new users or large transactions. This could include confirming your email address or completing identity verification to enhance security.

2.6 Considerations for New Users

If the recipient doesn’t have a PayPal account, they will receive an email notification explaining how to sign up. New users must confirm their email address and complete any required identity verification before they can accept the payment.

3. What Are The Steps To Send Money Via PayPal On The Website?

To send money via the PayPal website, log in, navigate to “Send & Request,” enter the recipient’s details, specify the amount, add a note if necessary, select the payment type, choose your payment method, and review before sending. This process ensures a smooth and secure transaction.

Here is a detailed guide:

1. Log into Your PayPal Account

   • Go to the PayPal website.
   • Enter your email address and password.
   • Click “Log In”.

2. Navigate to “Send & Request”

   • Once logged in, look for the “Send & Request” tab at the top of the page.
   • Click on it to access the money transfer options.

3. Enter Recipient Details

   • In the “Send Money” section, enter the recipient’s information. You can use their:
     • Name
     • PayPal username
     • Email address
     • Mobile number
   • Click “Next” to proceed.

4. Enter the Amount and Currency

   • Specify the amount of money you want to send.
   • Choose the appropriate currency from the dropdown menu.
   • Ensure the amount and currency are correct before moving on.

5. Add a Note (Optional)

   • You have the option to add a note to the payment. This can be useful for:
     • Providing context for the payment
     • Including a personal message
     • Referencing an invoice number
   • This step is optional, so you can skip it if not needed.

6. Select the Payment Type

   • Choose the appropriate payment type:
     • For Goods and Services: Select this if you are paying for a product or service. The seller will pay a fee to receive the money, and you may be eligible for PayPal Purchase Protection.
     • For Friends and Family: Select this when sending money to friends or family. There may be a small charge to you depending on how you pay or if it’s an international payment.

7. Choose Your Payment Method

   • Select your preferred payment method from the available options:
     • PayPal balance
     • Bank account
     • Credit card
     • Debit card
   • Ensure your chosen payment method has sufficient funds or credit to cover the transaction.

8. Review the Information

   • Carefully review all the details of the transaction:
     • Recipient’s name or email address
     • Amount and currency
     • Payment type
     • Payment method
   • Make sure everything is accurate to avoid any issues.

9. Send the Payment

   • If all the information is correct, click the “Send Payment Now” button.
   • PayPal will process the transaction and send the money to the recipient.
   • You and the recipient will receive an email notification confirming the payment.

4. How Do I Send Money Via PayPal On The Mobile App?

To send money via the PayPal mobile app, open the app, tap “Send/Request,” enter the recipient’s details, input the amount, add a note if needed, select the payment type, review the information, and tap “Send.” This streamlined process allows for quick and easy money transfers.

Here’s how to do it:

1. Open the PayPal App

   • Locate the PayPal app on your smartphone’s home screen or app drawer.
   • Tap the app icon to open it.

2. Log into Your Account

   • Enter your email address and password.
   • Tap the “Log In” button.
   • If you have enabled biometric login (such as fingerprint or facial recognition), you can use that instead.

3. Tap “Send/Request”

   • Once logged in, look for the “Send/Request” option on the main screen.
   • It is usually located at the bottom or center of the screen.
   • Tap on it to proceed.

4. Enter Recipient Details

   • In the “Send Money” section, enter the recipient’s information:
     • Name
     • @username
     • Email address
     • Mobile number
   • You can also select the recipient from your list of contacts if they are already in your phone.

5. Enter the Amount and Currency

   • Enter the amount you want to send in the provided field.
   • Choose the currency from the dropdown menu if necessary.
   • Double-check the amount and currency to ensure they are correct.

6. Add a Note (Optional)

   • You have the option to add a note to the payment. This can be useful for:
     • Providing a reason for the payment
     • Adding a personal message
     • Referencing an invoice number
   • This step is optional and can be skipped if not needed.

7. Select the Payment Type

   • Choose the appropriate payment type:
     • For Goods and Services: Select this if you are paying for a product or service. The seller will pay a fee, and you may be eligible for PayPal Purchase Protection.
     • For Friends and Family: Select this when sending money to friends or family. Depending on your payment method and location, there may be a small fee.

8. Review the Information

   • Carefully review all the details of the transaction:
     • Recipient’s name or email address
     • Amount and currency
     • Payment type
     • Payment method
   • Make sure everything is accurate before proceeding.

9. Send the Payment

   • If all the information is correct, tap the “Send” button.
   • PayPal will process the transaction and send the money to the recipient.
   • Both you and the recipient will receive a notification confirming the payment.

5. How Do I Send Money Via A PayPal.Me Link?

To send money via a PayPal.Me link, click the link, click “Send,” enter the amount, add a note if needed, select the payment type, choose your payment method, review the details, and click “Send Payment Now.” This streamlined method simplifies the payment process.

Here is a step-by-step guide:

1. Obtain the PayPal.Me Link

   • Get the PayPal.Me link from the person you want to send money to. This link is usually shared via message, email, or other communication channels.

2. Click or Enter the Link

   • Click on the PayPal.Me link if it’s provided as a hyperlink.
   • If it’s not clickable, copy and paste the link into your web browser and press Enter.

3. Click the “Send” Button

   • Once the PayPal.Me page opens, you will see a “Send” button.
   • Click on the “Send” button to initiate the payment process.

4. Enter the Amount

   • Enter the amount of money you wish to send to the recipient.
   • Make sure to use the correct currency if prompted.
   • Double-check the amount to ensure accuracy.

5. Add a Note (Optional)

   • You can add a note to the payment for context or to include a personal message.
   • This is optional, so you can skip it if you don’t need to add any information.

6. Choose Payment Type

   • Select the appropriate payment type:
     • For Goods and Services: Choose this if you are paying for a product or service. The seller will pay a fee, and you might be eligible for PayPal Purchase Protection.
     • For Friends and Family: Choose this when sending money to friends or family. There might be a small charge depending on your payment method and location.

7. Choose Your Payment Method

   • Select your preferred payment method from the available options:
     • PayPal balance
     • Bank account
     • Credit card
     • Debit card
   • Ensure your chosen payment method has sufficient funds or credit to cover the transaction.

8. Review the Details

   • Carefully review all the details of the transaction:
     • Recipient’s name or email address
     • Amount and currency
     • Payment type
     • Payment method
   • Make sure everything is accurate to avoid any issues.

9. Send the Payment

   • If all the information is correct, click the “Send Payment Now” button.
   • PayPal will process the transaction and send the money to the recipient.
   • Both you and the recipient will receive a notification confirming the payment.

6. What Are The Fees Associated With Sending Money Via PayPal?

Fees for sending money via PayPal depend on the payment type, your location, and whether the transaction is domestic or international. Understanding these fees can help you make informed decisions about your transfers.

6.1 Domestic Transfers

For domestic transfers within the same country, PayPal typically offers fee-free transactions when using your PayPal balance or bank account. However, if you use a credit or debit card, a fee may apply.

6.2 International Transfers

International transfers usually involve fees, which vary based on the recipient’s country and the amount being sent. These fees can either be a percentage of the transaction amount or a fixed fee.

6.3 Payment Type Fees

When sending money, you can choose between “For Goods and Services” and “For Friends and Family.” If you select “For Goods and Services,” the recipient typically pays a fee. For “Friends and Family,” the sender may incur a fee if using a credit or debit card, especially for international payments.

6.4 Currency Conversion Fees

If the transaction involves currency conversion, PayPal will charge a currency conversion fee, which is added to the base exchange rate. This fee is usually a percentage of the transaction amount.

6.5 Specific Fee Structures

PayPal’s fee structure can be complex, and it’s essential to check the current fee rates on the PayPal website or within the app. Fees vary depending on the country, currency, and payment method used.

6.6 Examples of Fees

• Domestic Transfers (Friends and Family): Free when using PayPal balance or bank account; fees apply when using credit or debit cards.
• International Transfers (Friends and Family): Fees vary based on the destination country and payment method.
• Goods and Services: The recipient is usually charged a fee, which is a percentage of the transaction plus a fixed fee.

6.7 Xoom for International Transfers

For international transfers, PayPal also owns Xoom, which may offer different fee structures. Comparing fees between PayPal and Xoom can sometimes result in cost savings for international transactions.

6.8 Fee Table Example

Transaction Type	Payment Method	Fee
Domestic (Friends and Family)	PayPal Balance/Bank Account	Free
Domestic (Friends and Family)	Credit/Debit Card	Fee applies (e.g., 2.9% + $0.30)
International (Friends and Family)	PayPal Balance/Bank Account	Fee varies by country (e.g., 5% of the transaction amount)
Goods and Services	Any	Recipient pays a fee (e.g., 3.49% + fixed fee based on the currency)

Note: Fees are subject to change. Check the PayPal website for current rates.

6.9 How to Check Fees

1. PayPal Website: Log into your PayPal account and navigate to the “Fees” section.
2. PayPal App: In the app, go to “Settings” or “Help” and look for fee information.
3. During Transaction: PayPal usually displays the fees before you complete the transaction.

7. What Are The Limits On Sending Money Via PayPal?

PayPal has limits on sending money, which can vary based on your account status and verification level. Knowing these limits helps you manage your transactions effectively.

7.1 Unverified Accounts

Unverified PayPal accounts typically have lower sending limits. These limits are in place to ensure security and prevent fraudulent activities.

7.2 Verified Accounts

Verified accounts have higher sending limits compared to unverified accounts. To verify your account, you usually need to provide additional information, such as your bank account details or social security number.

7.3 Standard Sending Limits

Standard sending limits can range from a few hundred dollars to several thousand dollars per transaction or per month. These limits are set to protect both the sender and the recipient.

7.4 Increasing Your Sending Limits

To increase your sending limits, you may need to:

• Verify Your Account: Provide the necessary information to verify your account.
• Link a Bank Account or Credit Card: Linking a bank account or credit card can help increase your credibility and raise your limits.
• Provide Additional Documentation: PayPal may require additional documentation, such as proof of address or identity verification.

7.5 Specific Limits Based on Account Type

The exact sending limits depend on the type of PayPal account you have. Personal accounts typically have different limits than business accounts.

7.6 Checking Your Sending Limits

You can check your current sending limits by:

1. Logging into Your PayPal Account:
2. Navigating to Your Account Settings: Look for a section on limits or verification.
3. Following the Instructions: PayPal will provide instructions on how to increase your limits if needed.

7.7 Example Sending Limits Table

Account Status	Transaction Limit	Monthly Limit	Verification Required
Unverified	$500	$1,000	Yes
Verified	$5,000	$10,000	No

7.8 Factors Affecting Limits

• Account Age: Older accounts with a positive transaction history may have higher limits.
• Transaction History: Regular and trustworthy transactions can help increase your limits.
• Compliance with PayPal Policies: Following PayPal’s terms and conditions can ensure your limits are not restricted.

8. How Do I Cancel A Payment On PayPal?

Once you send money via PayPal, you generally cannot cancel or reverse the payment. If you made a mistake, you need to contact the recipient to request a refund.

Here’s a more detailed explanation:

1. Immediate Transactions

   • Most PayPal transactions are immediate, meaning that once you click “Send Payment Now,” the money is transferred to the recipient’s account.
   • Because of this immediacy, there is no built-in mechanism to cancel the payment like you might with a credit card transaction.

2. Contacting the Recipient

   • If you sent the wrong amount or selected the wrong payment type (e.g., “For Goods and Services” instead of “For Friends and Family”), your best course of action is to contact the recipient.
   • Explain the situation and ask them to refund the payment to you.

3. Requesting a Refund

   • If the recipient agrees, they can issue a refund through their PayPal account.
   • The refunded amount will be credited back to your PayPal balance or the original payment method.

4. For Goods and Services Payments

   • If you selected “For Goods and Services” but are sending money to a friend or family member, you may need to confirm receipt of the item before the recipient can issue a refund to you.
   • This is because PayPal assumes you are paying for an item or service and wants to ensure you received it before allowing a refund.

5. Dispute Resolution

   • If the recipient is uncooperative or unresponsive, you might be able to open a dispute with PayPal, especially if the payment was for goods or services that were not received.
   • To open a dispute:
     • Log into your PayPal account.
     • Go to the “Resolution Center.”
     • Select “Dispute a Transaction.”
     • Follow the instructions to file your dispute.

6. Dispute Timeframe

   • You usually have a limited time frame (e.g., 180 days from the date of the transaction) to open a dispute with PayPal.
   • Make sure to file your dispute within this time frame to be eligible for PayPal’s resolution process.

7. PayPal’s Investigation

   • PayPal will investigate the dispute and may request additional information from both you and the recipient.
   • They will review the evidence and make a decision based on their findings.

8. Preventing Mistakes

   • To avoid the need to cancel or request a refund, always double-check the payment details before sending money.
   • Confirm the recipient’s email address or username, the amount, and the payment type.

9. How Do I Send Money Internationally With PayPal?

You can send money internationally with PayPal, but it’s important to be aware of the fees, exchange rates, and any restrictions that may apply. Understanding these factors ensures a smooth and cost-effective transaction.

9.1 International Transfer Process

The process for sending money internationally is similar to sending money domestically, but with a few additional considerations.

1. Log into Your PayPal Account:
2. Go to “Send & Request”:
3. Enter Recipient Details: Enter the recipient’s email address, mobile number, or PayPal username.
4. Enter Amount and Currency: Specify the amount you want to send and choose the recipient’s currency.
5. Review the Details: Check the fees and exchange rates before confirming the transaction.
6. Send Payment Now: Click to send the payment.

9.2 Fees and Exchange Rates

International transfers typically involve fees, which can vary based on the recipient’s country and the amount being sent. PayPal also applies an exchange rate when converting the currency, and this rate may include a margin.

9.3 Checking Fees and Exchange Rates

Before sending money, PayPal will show you the exact fees and exchange rate being applied to the transaction. Review these details carefully to understand the total cost.

9.4 Xoom as an Alternative

PayPal owns Xoom, which is specifically designed for international money transfers. In some cases, Xoom may offer better rates and lower fees compared to PayPal. Compare the options to see which is more cost-effective.

9.5 Payment Methods

The payment method you use can also affect the fees. Using your PayPal balance or bank account may be cheaper than using a credit or debit card.

9.6 Recipient’s Country

The recipient’s country can impact the fees and exchange rates. Some countries may have higher fees due to regulatory or banking requirements.

9.7 Restrictions and Regulations

Be aware of any restrictions or regulations that may apply to international money transfers. Some countries may have limits on the amount of money that can be sent or received.

9.8 Example of International Transfer Fees

Sending Country	Receiving Country	Amount Sent	Fee (Approximate)	Exchange Rate
USA	Mexico	$100	$4.99	1 USD = 20 MXN
USA	India	$100	$4.99	1 USD = 75 INR

Note: Fees and exchange rates are subject to change. Check PayPal for current rates.

9.9 Tips for International Transfers

1. Compare Fees: Check both PayPal and Xoom to see which offers the best rates.
2. Use PayPal Balance or Bank Account: These methods may have lower fees.
3. Be Aware of Exchange Rates: Monitor the exchange rates to get the best value for your money.
4. Check for Restrictions: Ensure there are no restrictions on sending money to the recipient’s country.

10. What Are Some Common Issues When Sending Money Via PayPal And How To Resolve Them?

When sending money via PayPal, you might encounter issues such as incorrect recipient information, insufficient funds, or payment holds. Knowing how to resolve these issues ensures a smooth transaction.

10.1 Incorrect Recipient Information

Issue: Entering the wrong email address, mobile number, or PayPal username.

Resolution:

• Double-Check: Always double-check the recipient’s information before sending money.
• Contact the Recipient: If you accidentally send money to the wrong person, contact them and ask them to refund the payment.
• PayPal Support: If the recipient is unresponsive, contact PayPal support for assistance.

10.2 Insufficient Funds

Issue: Not having enough money in your PayPal balance or linked bank account.

Resolution:

• Add Funds: Add funds to your PayPal balance from your linked bank account or credit card.
• Choose a Different Payment Method: Select a different payment method with sufficient funds.

10.3 Payment Holds

Issue: PayPal placing a hold on the payment due to security concerns or other reasons.

Resolution:

• Verify Your Account: Make sure your PayPal account is verified.
• Provide Additional Information: PayPal may request additional information to release the hold. Follow their instructions to provide the necessary details.
• Contact PayPal Support: If the hold is not resolved quickly, contact PayPal support for assistance.

10.4 Transaction Limits

Issue: Exceeding your sending limits.

Resolution:

• Verify Your Account: Verify your account to increase your sending limits.
• Contact PayPal Support: Request a temporary increase in your sending limits.

10.5 Currency Conversion Issues

Issue: Problems with currency conversion rates or fees.

Resolution:

• Check Exchange Rates: Review the exchange rates and fees before sending money.
• Use Alternative Services: Compare rates with other services like Xoom to find the best deal.

10.6 Technical Issues

Issue: Experiencing technical issues with the PayPal website or app.

Resolution:

• Clear Cache and Cookies: Clear your browser’s cache and cookies or restart the PayPal app.
• Try a Different Browser or Device: Try using a different web browser or device to complete the transaction.
• Contact PayPal Support: If the issue persists, contact PayPal support for technical assistance.

10.7 Unauthorized Transactions

Issue: Discovering unauthorized transactions on your PayPal account.

Resolution:

• Report Immediately: Report the unauthorized transaction to PayPal immediately.
• Change Your Password: Change your PayPal password to prevent further unauthorized access.
• Review Your Account Activity: Review your account activity regularly to identify any suspicious transactions.

10.8 Security Alerts

Issue: Receiving security alerts from PayPal.

Resolution:

• Follow Instructions: Follow the instructions in the security alert to resolve the issue.
• Contact PayPal Support: If you are unsure about the alert, contact PayPal support for clarification.

10.9 Common Issue Resolution Table

Issue	Resolution Steps
Incorrect Recipient Info	Double-check details, contact recipient for refund, contact PayPal support.
Insufficient Funds	Add funds to PayPal balance, choose a different payment method.
Payment Holds	Verify account, provide additional information, contact PayPal support.
Transaction Limits	Verify account, request temporary increase, plan transactions accordingly.
Currency Conversion Issues	Check exchange rates, compare with alternative services like Xoom.
Technical Issues	Clear cache and cookies, try different browser/device, contact PayPal support.
Unauthorized Transactions	Report immediately, change password, review account activity.
Security Alerts	Follow instructions in alert, contact PayPal support for clarification.

FAQ: Sending Money Via PayPal

1. Can I Send Money to Someone Who Doesn’t Have a PayPal Account?

Yes, you can send money to someone who doesn’t have a PayPal account. They will receive an email notification with instructions on how to sign up and claim the money.

2. How Do I Add Funds to My PayPal Account?

To add funds to your PayPal account, link your bank account or credit card. Then, transfer funds from your bank to your PayPal balance.

3. What Is PayPal Purchase Protection?

PayPal Purchase Protection is a policy that may protect you if you don’t receive an item or if the item you receive is significantly different from what was described.

4. How Do I Dispute a Transaction on PayPal?

To dispute a transaction, go to the Resolution Center in your PayPal account, select the transaction, and follow the instructions to file a dispute.

5. What Is a PayPal.Me Link?

A PayPal.Me link is a personalized link that you can share with others to easily receive payments.

6. Are There Any Fees for Receiving Money on PayPal?

Fees for receiving money on PayPal depend on the type of transaction. For personal payments, there are typically no fees. However, for business transactions, fees may apply.

7. How Can I Track My PayPal Transactions?

You can track your PayPal transactions by logging into your account and viewing your transaction history.

8. What Should I Do If I Suspect Fraud on My PayPal Account?

If you suspect fraud, immediately change your password and report the suspicious activity to PayPal.

9. How Do I Verify My PayPal Account?

To verify your PayPal account, provide additional information such as your bank account details or social security number.

10. Can I Use PayPal to Send Money to Another Country?

Yes, you can use PayPal to send money internationally. However, be aware of the fees and exchange rates that may apply.

Sending money to someone via PayPal is a convenient and straightforward process, whether you’re using the website, mobile app, or a PayPal.Me link and money-central.com provides comprehensive guides and tools to help you manage your finances effectively. From understanding the various methods and associated fees to troubleshooting common issues, we aim to equip you with the knowledge you need for seamless transactions.

Ready to take control of your finances? Visit money-central.com today to explore our articles, use our financial tools, and connect with financial experts in the USA. Make informed decisions and achieve your financial goals with our reliable and up-to-date resources. Address: 44 West Fourth Street, New York, NY 10012, United States. Phone: +1 (212) 998-0000. Website: money-central.com.