How to Pay with PayPal with and without an Account

Steps you need to know to instruct a payment via PayPal with or without an account.

Kariuki Maina
By Kariuki Maina 11 Min Read

One of the most often used ways to make payments online is using PayPal.

The payment gateway is well-known to most online shoppers since it is extensively supported by a large number of websites and is practical for users.

Although the majority of users might not be aware of the drawbacks, fees, and alternatives to using PayPal to make payments, the majority of you would probably have used PayPal to make payments (with or without an account).

Looking to withdraw money from PayPal? Check out his article!

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How to Make a Payment (with a PayPal account)

This is simple.

Go to PayPal website, login or sign up.

On the Navigation menu, you will see the “Send or Request” tab, click it and enter the recipient’s email address.

If the intended recipient already has a PayPal account, the money will be sent there immediately.

However, if they don’t already have one, they will need to open one in order to get the money.

Remember to top up money to your Paypal account.

1. Begin the payment process

If you received an invoice or money request by email, all you need to do is log in to PayPal and then click the “Pay Now” option.

Log into PayPal if you would rather instruct a payment (without making any requests).

You will see the dashboard after you have logged in.

You’ll notice a “Send and Request” button towards the top of the dashboard; click on it to go to the payments page.

2. Select your recipient

You should now be given the option to input an email address or pick from the list of contacts that appears below the email area.

Remember that the receiver will receive an email asking them to open a PayPal account if they do not already have one in order to receive their money.

3. Sending to a Friend or Paying for Goods?

Two options should appear after having chosen your recipient. “Sending to a Friend” and “Paying for an Item or Service.”

Sending to a Friend

Sending money to friends and relatives in the US is cost-free whether the funds come from your PayPal balance or a linked bank account.

However, international payments have a maximum fee of $4.99 and a maximum fee of 5% of the transfer amount.

In addition to a set cost that varies based on the currency, customers are further charged a processing fee of 2.9% of the total amount transferred if the payment was made using a credit or debit card.

Remember that you or the recipient may choose to cover the transfer costs.

Paying for Goods and Services

If you are ever buying online, never pay merchants using the “Sending to a Friend” option.

Users have a second choice that is intended exclusively for consumers who want to make online purchases and has a significant benefit: buyer protection, often known as PayPal’s “protection policy.”

In essence, this guards against online fraud for PayPal users.

This option makes it possible to pay businesses or people you don’t know well since, unlike the previous one, it needs the receiver to present proof of the transaction before the cash may be transferred.

Additionally, the recipient or merchant is responsible for paying the transfer costs.

When money is coming from within the US, the fee is 2.9% of the transaction plus a variable fee based on the currency; however, when money is coming from outside the US, the fee is 4.4% plus a variable fee.

4. Choose amount and currency

After that, you will need to input the amount of money you wish to send into a field.

You may choose the currency you want to use to make a transaction from a dropdown menu that will be located beneath the field.

When selecting a currency that is not currently present in any of your accounts, keep exchange rates in mind.

5. Choose a source of funds

You must now decide on a source of funds once you have made sure that the quantity being sent and the transacted currency are both accurate.

Your PayPal balance, a connected bank account, or a credit or debit card are all possibilities provided by PayPal.

We’ll go into more detail about each of the methods mentioned so you can decide which is best for you.

Credit or Debit card

The main drawback of using a credit or debit card is the fee structure, which is relatively expensive when compared to other payment methods.

Payments within the same country cost 2.9% of the amount plus $0.30.

Due to the variable extra set costs, payments that need to be delivered worldwide may end up costing even more.

The biggest advantage is that using a credit or debit card does not need having a PayPal account, making this just a choice for individuals who have not yet registered for the financial service.

A bank account linked to PayPal

If you want to transfer money within the same nation, you won’t need to first transfer the money to your PayPal balance before sending it to the recipient because domestic transfers made using a linked bank account are entirely free.

However, there are costs associated with international transfers as well as currency transfers.

Using your PayPal balance

The advantages and disadvantages of utilizing your personal PayPal balance are the same as those of using a connected bank account.

The currencies you have on your account should be your main consideration when deciding whether to utilize your bank account or PayPal balance.

Do not use your bank account to send money if you only have that currency on your PayPal balance and want to send Euros instead; the cost will be in a different currency.

6. Confirmation

You may confirm the details and submit the payment if you are happy with all of the transactional information, including the receiver (or beneficiary), the amount and currency to be sent, and the source of the cash.

A confirmation email with information about the requested payment will thereafter be sent to you.

Making Payments Without a PayPal Account

Payments with PayPal are not just available to those who are signed up right now.

Although it is quick and simple to set up an account, the requirement to sign up for PayPal might possibly be a bottleneck if you need to make a rapid or urgent payment and do not already have an account.

Since you won’t need to form an account to pay past-due invoices or online product costs, the financial institution probably permits anybody with a credit or debit card to pay as a guest.

If you don’t have a PayPal account or are unable to get one but anticipate using the service to make payments, you might find the following advice helpful:

1. Click on the “Pay Now” button

The PayPal platform allows registered users or merchant accounts to create and send invoices to seek payments through email.

When a non-PayPal user receives the aforementioned email or decides to utilize PayPal to pay for an online purchase, they have the option to proceed as a guest.

2. Entering your card details

You may only use your debit card or credit card as a form of payment if you don’t have a PayPal account.

However, keep in mind that you will be required to register.

However, if you want to continue without one, just input your card information.

Credit and debit cards are, as was already said, PayPal’s most expensive form of payment.

You’ll need to bear in mind that taking a little effort to create an account might wind up saving you a lot of money.

3. Confirmation

Following a thorough examination of the payment details, you can proceed with the transaction.

After that, an email will be sent to you (check your spam inbox if you do not see the receipt in over 10 minutes after the payment was made).

Final thoughts

PayPal is a fantastic and incredibly flexible payment method, whether you’re an online shopper, sending money to friends and family, or paying an invoice.

Users can direct payments using their associated bank accounts, credit or debit cards, PayPal balances, or directly from their PayPal balances.

You may be able to save time and money if you keep in mind the characteristics and advantages of each option.

It’s a great idea to sign up for a PayPal account if you can to further save expenditures.


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By Kariuki Maina Kariuki Maina
In a world full of worriers, be the warrior.
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