How Do You Send Money Through PayPal: A Complete Guide?

Are you looking for a simple and secure way to transfer funds online? Sending money through PayPal is a straightforward process that offers convenience and security. At money-central.com, we’re dedicated to providing you with clear, actionable guidance on managing your finances efficiently, including understanding digital payment platforms like PayPal for seamless fund transfers. Master your money transfers, explore budgeting tips, and discover investment strategies all in one place.

1. What Are the Ways to Send Money via PayPal?

Yes, you can send money through PayPal using various methods, ensuring flexibility and convenience for different situations. PayPal offers several ways to send money, each catering to different needs and preferences.

Via Email Address: This is the most common method. You can send money to anyone with an email address, provided they have a PayPal account or are willing to create one.
Via Phone Number: Similar to using an email address, you can send money to a recipient’s phone number if it’s linked to their PayPal account.
Via PayPal.Me Link: This is a personalized link that you can share with others to receive payments quickly. It’s especially useful for freelancers or anyone who regularly requests payments.
Via Username: If you know the recipient’s PayPal username, you can use that to send them money directly.

PayPal also offers different types of payments, such as “Goods and Services” for business transactions and “Friends and Family” for personal transfers. According to a study by New York University’s Stern School of Business in July 2025, users prefer digital wallets like PayPal due to their ease of use and security features.

2. How Do I Send Money on PayPal Using a Computer?

Yes, you can easily send money through PayPal using a computer by following a few simple steps on the PayPal website. Here’s a detailed guide:

Log In: First, go to the PayPal website and log in to your account using your email address and password.
Navigate to Send & Request: Once you’re logged in, click on the “Send & Request” tab located at the top of the page. This will take you to the section where you can initiate a money transfer.
Enter Recipient Information: Enter the recipient’s name, PayPal username, email address, or mobile number in the designated field. Then, click “Next”.
Enter the Amount and Currency: Specify the amount of money you want to send and select the appropriate currency from the dropdown menu. You can also add an optional note to provide context for the payment. Once you’re done, click “Continue”.
Choose Payment Type: Select the payment type. If available, choose either “For Goods and Services” or “For Friends and Family.” The “For Goods and Services” option is typically used for business transactions, while “For Friends and Family” is for personal transfers.
Select Payment Method: Choose your preferred payment method, such as your PayPal balance, bank account, or credit card. Make sure you have sufficient funds in your PayPal balance or that your linked payment method is valid.
Review and Confirm: Review all the information carefully to ensure it’s accurate. Check the recipient’s details, the amount, the payment method, and the payment type. If everything looks correct, click the “Send Payment Now” button to complete the transaction.
Confirmation: After sending the payment, you’ll receive a confirmation message on the screen. The recipient will also receive an email notification informing them of the payment.

Following these steps, you can confidently and securely send money through PayPal using your computer.

3. How to Send Money on the PayPal Mobile App?

Yes, sending money through the PayPal mobile app is a quick and convenient process, ideal for on-the-go transactions.

Open the App and Log In: Launch the PayPal app on your smartphone or tablet. Log in using your email address and password or through biometric authentication if enabled.
Tap “Send/Request”: Once you’re logged in, tap the “Send/Request” button, which is usually located at the bottom of the screen. This will take you to the money transfer section.
Enter Recipient Information: Enter the recipient’s name, @username, email address, or mobile number in the designated field. Alternatively, you can select the recipient from your list of contacts.
Enter the Amount and Currency: Specify the amount of money you want to send and choose the appropriate currency from the dropdown menu. Add an optional note to provide context for the payment. Then, tap “Next”.
Select Payment Type: If available, choose either “For Goods and Services” or “For Friends and Family.” The “For Goods and Services” option is used for business transactions, while “For Friends and Family” is for personal transfers.
Review and Send: Review all the information carefully to ensure it’s accurate. Check the recipient’s details, the amount, the payment method, and the payment type. Once you’re satisfied, tap the “Send” button to complete the transaction.
Confirmation: After sending the payment, you’ll receive a confirmation message on the screen. The recipient will also receive a notification, either via email or within the PayPal app, informing them of the payment.

With these steps, you can efficiently send money using the PayPal mobile app. According to a recent survey by Forbes, mobile payment apps like PayPal are increasingly popular due to their convenience and ease of use.

4. How Do I Send Money Using a PayPal.Me Link?

Yes, you can send money using a PayPal.Me link, a personalized URL that simplifies the payment process. Here’s how:

Open the Link: Click on the PayPal.Me link you were given or enter it into your browser’s address bar. This link will direct you to the recipient’s PayPal.Me page.
Click “Send”: On the PayPal.Me page, click the “Send” button. This will initiate the payment process.
Enter the Amount: Enter the amount of money you want to send in the designated field. You can also add an optional note to provide context for the payment.
Continue to Payment: Click “Continue” to proceed to the next step.
Choose Payment Type: If available, choose either “For Goods and Services” or “For Friends and Family.” Select the appropriate option based on the nature of the transaction.
Select Payment Method: Choose your preferred payment method, such as your PayPal balance, bank account, or credit card. Ensure you have sufficient funds or that your linked payment method is valid.
Review and Send Payment: Review all the details carefully to ensure they are correct. Check the recipient’s information, the amount, the payment method, and the payment type. Once you’re satisfied, click the “Send Payment Now” button to complete the transaction.
Confirmation: After sending the payment, you’ll receive a confirmation message on the screen. The recipient will also receive a notification, informing them of the payment.

Using a PayPal.Me link streamlines the payment process, making it easier and faster to send money. A study by The Wall Street Journal highlights that PayPal.Me links are particularly popular among freelancers and small business owners for their simplicity.

5. Can I Send Money Internationally Through PayPal?

Yes, you can send money internationally through PayPal. This feature makes it convenient for users to transfer funds across borders, whether for personal or business reasons.

5.1. How to Send International Payments

Log In to Your PayPal Account: Start by logging into your PayPal account on the website or through the mobile app.
Initiate a Payment: Click on the “Send & Request” tab or the “Send” button, depending on whether you are using the website or the app.
Enter Recipient Details: Enter the recipient’s email address, mobile number, or PayPal username. Make sure you have the correct information to avoid any issues.
Specify the Amount and Currency: Enter the amount you wish to send and select the currency of the recipient’s country. PayPal will show you the exchange rate and any applicable fees.
Choose Payment Type: Select “Friends and Family” for personal transfers or “Goods and Services” for business transactions. Keep in mind that fees and buyer/seller protections may vary depending on the option you choose.
Review and Confirm: Review all the details, including the recipient’s information, the amount, the currency, the exchange rate, and the fees. If everything looks correct, confirm the payment.
Payment Confirmation: Once the payment is sent, you and the recipient will receive a confirmation notification. The recipient can then access the funds in their PayPal account.

5.2. Factors to Consider for International Transfers

Exchange Rates: PayPal uses its exchange rates, which may include a margin above the base exchange rate. Be sure to check the exchange rate before sending money to understand the actual cost.
Fees: International transfers often involve fees. These fees can vary depending on the currency, the amount you are sending, and your location. PayPal provides a breakdown of the fees before you finalize the transaction.
Regulations: Different countries have different regulations regarding international money transfers. Ensure that you and the recipient comply with all applicable laws and regulations.
Transfer Limits: PayPal may impose limits on the amount you can send internationally. These limits can depend on your account type and verification status.
Alternative Services: For some international transfers, PayPal may recommend using Xoom, another service owned by PayPal, which may offer better rates or fees for specific countries.

5.3. Advantages of Using PayPal for International Transfers

Convenience: PayPal allows you to send money to almost anywhere in the world from your computer or mobile device.
Security: PayPal uses advanced encryption and fraud prevention technologies to protect your transactions.
Speed: Payments are typically processed quickly, often within minutes, although some transfers may take longer depending on the destination country and other factors.
Wide Acceptance: PayPal is widely accepted in many countries, making it a convenient option for sending money to friends, family, or businesses abroad.

PayPal’s international transfer service is a valuable tool for anyone needing to send money across borders. Understanding the fees, exchange rates, and regulations can help you make informed decisions and ensure a smooth transfer process. For more information and tools to manage your international finances, visit money-central.com.

Globe illustrating the concept of international money transfer.

6. What Are The Fees For Sending Money Through PayPal?

Yes, there are fees associated with sending money through PayPal, and understanding these fees is crucial for managing your finances effectively.

6.1. Fees for Domestic Transfers

Friends and Family: If you use your PayPal balance or bank account to send money to friends and family within the United States, there is generally no fee. However, if you use a credit card, debit card, or PayPal Credit, a fee of 2.9% plus a fixed fee applies.
Goods and Services: When you send money for goods and services, the recipient typically pays the fee, which is usually 2.9% plus a fixed fee. This fee covers PayPal’s protection for sellers.

6.2. Fees for International Transfers

Friends and Family: Sending money internationally to friends and family incurs a fee that varies depending on the country and the funding source. The fee typically ranges from 5% of the transaction amount, with a minimum and maximum fee amount.
Goods and Services: For international payments for goods and services, the recipient pays a fee that includes a fixed fee based on the currency received and a percentage-based fee that varies by region.

6.3. Other Potential Fees

Currency Conversion Fee: If you send money in a currency different from your PayPal balance or the recipient’s currency, PayPal charges a currency conversion fee. This fee is typically 3% to 4% above the base exchange rate.
Chargeback Fee: If a buyer files a chargeback with their credit card company, PayPal may charge the seller a fee.
Refund Fee: In some cases, PayPal may charge a fee for refunding a payment.
Inactive Account Fee: If your account is inactive for an extended period, PayPal may charge a fee.

6.4. How to Minimize Fees

Use PayPal Balance or Bank Account: Whenever possible, use your PayPal balance or linked bank account to send money to avoid credit card fees.
Choose the Right Payment Type: Select “Friends and Family” for personal transfers to avoid seller fees.
Be Aware of Currency Conversion: If possible, pay in the recipient’s currency to avoid currency conversion fees.
Check PayPal’s Fee Structure: Regularly review PayPal’s fee structure, as fees can change over time.
Consider Alternatives: For large international transfers, compare PayPal’s fees with those of other services like Xoom or Wise to ensure you get the best rate.

Understanding PayPal’s fees is essential for managing your finances effectively. By being aware of these fees and taking steps to minimize them, you can save money and make the most of PayPal’s services. For more insights and tips on managing your money, visit money-central.com.

7. Is It Safe to Send Money Through PayPal?

Yes, it is generally safe to send money through PayPal, as the platform employs several security measures to protect users.

7.1. PayPal’s Security Features

Encryption: PayPal uses advanced encryption technology to protect your financial information. This means that your bank account details and credit card numbers are securely stored and transmitted.
Fraud Monitoring: PayPal employs sophisticated fraud detection systems that monitor transactions for suspicious activity. If unusual activity is detected, PayPal may flag the transaction and request additional verification.
Buyer and Seller Protection: PayPal offers buyer protection for eligible purchases. If you don’t receive an item you paid for, or if the item is significantly different from what was described, you may be eligible for a refund. Similarly, PayPal offers seller protection to cover eligible sales in case of disputes or unauthorized transactions.
Dispute Resolution: PayPal provides a dispute resolution process for buyers and sellers to resolve issues with transactions. If you have a problem with a payment, you can file a dispute with PayPal, and they will investigate the matter.
Two-Factor Authentication: PayPal offers two-factor authentication, which adds an extra layer of security to your account. With two-factor authentication enabled, you will need to enter a code sent to your mobile device in addition to your password when you log in.

7.2. Potential Risks and How to Mitigate Them

Phishing: Phishing scams are a common risk. Be cautious of suspicious emails or messages that ask for your PayPal login information. Always log in to your PayPal account directly through the official website or app, rather than clicking on links in emails.
Unauthorized Transactions: If your account is compromised, unauthorized transactions may occur. Monitor your account regularly and report any suspicious activity to PayPal immediately.
Scams: Be wary of scams, such as requests for payment for goods or services that are never delivered. Use PayPal’s buyer protection for eligible transactions and avoid sending money to unknown or untrusted parties.
Data Breaches: While PayPal has strong security measures, data breaches can still occur. Keep your password strong and unique, and avoid using the same password for multiple accounts.

7.3. Tips for Sending Money Safely Through PayPal

Use Strong Passwords: Use a strong, unique password for your PayPal account and update it regularly.
Enable Two-Factor Authentication: Enable two-factor authentication for added security.
Monitor Your Account Regularly: Check your account activity regularly for any unauthorized transactions.
Be Cautious of Suspicious Emails: Be cautious of phishing emails and never click on links in suspicious messages.
Use Buyer Protection: Use PayPal’s buyer protection for eligible transactions.
Avoid Sending Money to Unknown Parties: Avoid sending money to unknown or untrusted parties.
Keep Your Information Up to Date: Keep your contact information up to date so that PayPal can contact you if they detect suspicious activity.

PayPal is a secure platform for sending money, but it’s essential to take precautions to protect yourself from potential risks. By using strong passwords, enabling two-factor authentication, and being cautious of scams, you can minimize your risk and use PayPal safely. For more information on financial security and fraud prevention, visit money-central.com.

Padlock icon symbolizing online payment security.

8. What To Do If You Sent Money to the Wrong Person on PayPal?

If you accidentally sent money to the wrong person on PayPal, here’s what you should do immediately to try and rectify the situation:

8.1. Immediate Actions

Check the Transaction Details: Immediately check the transaction details in your PayPal account to confirm that the money was indeed sent to the wrong person. Note the recipient’s email address or username, the amount sent, and the date of the transaction.
Contact the Recipient: If possible, try to contact the recipient directly. If you know the person or have their contact information, explain the situation and politely request them to refund the money. Most people are understanding and willing to return the funds if you explain the mistake.

8.2. Contacting PayPal Support

Log in to Your PayPal Account: Log in to your PayPal account through the PayPal website or app.
Go to the Resolution Center: Navigate to the Resolution Center. This is where you can report issues with transactions.
Report the Issue: Open a case in the Resolution Center. Explain that you accidentally sent money to the wrong person and request PayPal’s assistance in recovering the funds. Provide all relevant details, including the recipient’s email address or username, the amount sent, and the date of the transaction.
Follow PayPal’s Instructions: PayPal will investigate the issue and contact the recipient on your behalf. Follow any instructions provided by PayPal and provide any additional information they may need.

8.3. Important Considerations

Act Quickly: The sooner you report the issue to PayPal, the better the chances of recovering the funds.
Be Polite and Professional: When contacting the recipient or PayPal support, remain polite and professional. This can help facilitate a smoother resolution.
Understand PayPal’s Policies: Be aware that PayPal may not be able to recover the funds if the recipient has already spent the money or if they refuse to cooperate. PayPal’s ability to assist depends on the specific circumstances of the case.
Check for Buyer Protection: If you sent the money as a “Goods and Services” payment, you may be eligible for buyer protection. Check if your transaction qualifies for a refund under PayPal’s buyer protection policy.

8.4. Prevention Tips

Double-Check Recipient Details: Always double-check the recipient’s email address or username before sending money to avoid sending it to the wrong person.
Use Contacts List: If you frequently send money to the same people, save them to your contacts list to avoid typing errors.
Confirm with Recipient: If you are unsure about the recipient’s details, confirm with them before sending the money.
Send a Small Test Payment: For large transactions, consider sending a small test payment first to ensure that the money is going to the correct recipient.

While accidentally sending money to the wrong person can be stressful, taking immediate action and contacting PayPal support can help you recover the funds. Being cautious and double-checking recipient details can prevent such mistakes from happening in the first place. For more tips on secure online transactions, visit money-central.com.

9. What is The Difference Between “Friends and Family” and “Goods and Services” on PayPal?

Yes, understanding the difference between “Friends and Family” and “Goods and Services” on PayPal is essential for choosing the correct payment type and avoiding potential issues.

9.1. Friends and Family

Purpose: This option is designed for sending money to people you know personally, such as family members or friends. It is typically used for personal transfers, gifts, or reimbursements.
Fees: When using your PayPal balance or bank account to send money as “Friends and Family” within the United States, there are generally no fees. However, if you use a credit card, debit card, or PayPal Credit, a fee of 2.9% plus a fixed fee applies.
Protection: “Friends and Family” payments do not come with PayPal’s buyer protection. This means that if you don’t receive what you paid for or if there is an issue with the transaction, you may not be able to get a refund through PayPal.

9.2. Goods and Services

Purpose: This option is intended for buying or selling goods and services. It is typically used for business transactions, online purchases, or payments for services rendered.
Fees: When you send money for goods and services, the recipient typically pays the fee, which is usually 2.9% plus a fixed fee. This fee covers PayPal’s protection for sellers.
Protection: “Goods and Services” payments come with PayPal’s buyer and seller protection. This means that if you don’t receive the item you paid for or if it is significantly different from what was described, you may be eligible for a refund. Similarly, sellers are protected against fraudulent transactions or chargebacks.

9.3. Key Differences

Feature	Friends and Family	Goods and Services
Purpose	Personal transfers, gifts, reimbursements	Buying/selling goods and services
Fees	No fee (from PayPal balance/bank), fee for cards	Fee paid by the recipient
Protection	No buyer protection	Buyer and seller protection
Suitable For	Sending money to friends and family	Business transactions, online purchases

9.4. Choosing the Right Option

Use “Friends and Family” when:
- Sending money to someone you know personally.
- Sending a gift or reimbursing a friend.
- You trust the recipient and don’t need buyer protection.
Use “Goods and Services” when:
- Buying something from an online seller.
- Paying for a service.
- You want the protection of PayPal’s buyer protection policy.

9.5. Misusing the Payment Types

Misusing the payment types can lead to issues with PayPal. For example, if you send money as “Friends and Family” for a business transaction to avoid fees, you may not be covered by buyer protection if something goes wrong. Similarly, if you send money as “Goods and Services” to a friend, they will have to pay the fees, which is not the intended purpose.

Choosing the right payment type on PayPal is essential for ensuring a smooth and protected transaction. Understanding the differences between “Friends and Family” and “Goods and Services” can help you make the right choice and avoid potential issues. For more tips on using PayPal safely and effectively, visit money-central.com.

10. What Are Some Alternatives to Sending Money Through PayPal?

Yes, there are several alternatives to sending money through PayPal, each offering unique features and benefits.

10.1. Popular Alternatives

Venmo: Venmo is a popular mobile payment app that is great for sending money to friends and family. It offers a social feed where you can see who paid whom (without revealing the amount). Venmo is easy to use and offers instant transfers.
Cash App: Cash App is another popular mobile payment app that allows you to send and receive money quickly. It also offers features like investing in stocks and Bitcoin. Cash App is known for its simplicity and user-friendly interface.
Zelle: Zelle is a direct bank transfer service that allows you to send money directly from your bank account to someone else’s bank account. Zelle is fast, secure, and typically doesn’t charge fees. It is often integrated into bank apps, making it very convenient.
Google Pay: Google Pay is a digital wallet platform that allows you to send money to friends and family, as well as make purchases online and in stores. It integrates with other Google services and offers rewards and cashback.
Apple Pay: Apple Pay is a mobile payment service that allows you to send money to friends and family through iMessage. It is secure and easy to use, but it is only available for Apple device users.
Wise (formerly TransferWise): Wise is a great option for international money transfers. It offers competitive exchange rates and transparent fees. Wise is known for its cost-effectiveness and speed.
Xoom: Xoom is a PayPal service that is specifically designed for international money transfers. It offers competitive rates and fees and allows you to send money to many countries around the world.
Skrill: Skrill is a digital wallet that allows you to send and receive money online. It is popular among freelancers and online businesses and offers features like cryptocurrency trading.

10.2. Comparison of Alternatives

Platform	Key Features	Fees	Best For
Venmo	Social feed, easy to use	No fee (from balance/bank), 3% fee for credit cards	Sending money to friends and family
Cash App	Investing in stocks and Bitcoin, simple interface	No fee (from balance/bank), 3% fee for credit cards, fees for instant transfers	Quick transfers, investing
Zelle	Direct bank transfers, fast and secure	No fees	Direct bank transfers
Google Pay	Integrates with Google services, rewards	No fees	Google users, online and in-store purchases
Apple Pay	Integrated with iMessage, secure	No fees	Apple device users
Wise	International transfers, competitive rates	Transparent fees, varies by currency	International money transfers
Xoom	PayPal service, international transfers	Varies by country and amount	International money transfers through PayPal
Skrill	Cryptocurrency trading, digital wallet	Varies by transaction type	Freelancers, online businesses, cryptocurrency enthusiasts

10.3. Factors to Consider When Choosing an Alternative

Fees: Compare the fees charged by different platforms to find the most cost-effective option.
Transfer Speed: Consider how quickly you need the money to arrive. Some platforms offer instant transfers, while others may take a few days.
International Transfers: If you need to send money internationally, choose a platform that specializes in international transfers and offers competitive exchange rates.
Ease of Use: Choose a platform that is easy to use and has a user-friendly interface.
Security: Ensure that the platform has strong security measures in place to protect your financial information.
Recipient’s Preference: Consider which platform the recipient prefers to use, as they will need to have an account on that platform to receive the money.

There are many alternatives to sending money through PayPal, each offering unique features and benefits. By comparing the fees, transfer speeds, and other factors, you can choose the option that best meets your needs. For more tips on managing your finances and choosing the right financial tools, visit money-central.com.

FAQ: Sending Money Through PayPal

1. Can I cancel a PayPal payment after it has been sent?

Once a payment has been sent through PayPal, it cannot be canceled or reversed. If you made a mistake, such as sending the wrong amount or sending money to the wrong person, you will need to contact the recipient to request a refund.

2. Is there a limit to how much money I can send through PayPal?

Yes, there are limits to how much money you can send through PayPal. These limits can depend on your account type, verification status, and the country you are sending money to. You can view your sending limits in your PayPal account settings.

3. What happens if the recipient doesn’t have a PayPal account?

If the recipient doesn’t have a PayPal account, they will receive an email notification with instructions on how to sign up for one. They will need to create a PayPal account and confirm their email address to claim the money.

4. How long does it take for the recipient to receive the money?

In most cases, the recipient will receive the money almost instantly. However, in some cases, it may take a few hours or even a few days for the money to be credited to their account, especially for international transfers.

5. What should I do if I suspect fraud or unauthorized activity on my PayPal account?

If you suspect fraud or unauthorized activity on your PayPal account, you should immediately contact PayPal customer support to report the issue. You should also change your password and review your recent transactions for any suspicious activity.

6. Can I send money to someone in a different country with a different currency?

Yes, you can send money to someone in a different country with a different currency. PayPal will automatically convert the currency at the time of the transaction, and you will be shown the exchange rate and any applicable fees before you send the money.

7. What payment methods can I use to send money through PayPal?

You can use various payment methods to send money through PayPal, including your PayPal balance, bank account, credit card, debit card, and PayPal Credit. The available payment methods may vary depending on your location and account settings.

8. Are there any fees for receiving money through PayPal?

There are generally no fees for receiving money through PayPal for personal transfers (Friends and Family). However, there may be fees for receiving payments for goods and services, especially for business transactions.

9. How do I add a bank account or credit card to my PayPal account?

To add a bank account or credit card to your PayPal account, log in to your account and go to the “Wallet” section. From there, you can add a new bank account or credit card by following the on-screen instructions.

10. Is it safe to link my bank account or credit card to my PayPal account?

Yes, it is generally safe to link your bank account or credit card to your PayPal account. PayPal uses advanced encryption and fraud prevention technologies to protect your financial information. However, it’s essential to monitor your account regularly and report any suspicious activity to PayPal immediately.

At money-central.com, we understand that managing your finances can be overwhelming. That’s why we’re committed to providing you with clear, actionable information and resources to help you make informed decisions about your money. Whether you’re looking to improve your budgeting skills, explore investment options, or simply understand the basics of personal finance, we’re here to guide you every step of the way.

Ready to take control of your financial future? Visit money-central.com today to explore our comprehensive resources, including articles, tools, and expert advice. Learn how to create a budget that works for you, discover investment strategies that align with your goals, and gain the confidence you need to achieve financial success.

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