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How to receive money on PayPal from friends, family, or customers

Let's get your money in no time!
By
July 9, 2022

We all love money, just as much as we love to make life a little easier. Luckily for all of us, PayPal tends to agree. It’s one of the best platforms for sending and receiving money, and things couldn’t be simpler. Once you’ve created an account, you must give someone your email address to receive money on PayPal. Really, it’s as simple as that!

Read also: What is PayPal, and how do you use it?

Ok, so there is a bit more to it than that, but the fact remains that it’s quick and easy to receive money on PayPal. Here’s everything you need to know.

QUICK ANSWER

Receive money on PayPal by sending a request. Log into your PayPal account, click on the three-dot menu button next to your PayPal balance, and select Send or request money. Click on the Request tab, enter the sender's email address, and hit Next. Then enter the amount, currency type, and optional note. Click on Request now and wait for the sender to send you the money.


JUMP TO KEY SECTIONS

How to receive money on PayPal

PayPal Sending or requesting money page

If you have a PayPal account and know your email address, you already know how to receive money on PayPal. All you need to do is give someone your email address, and they can send you money through PayPal. In fact, you don’t even need a PayPal account for someone to send you money. You will need to create an account to claim it, but as long as the sender correctly inputs your email address as the recipient, the funds will be waiting for you.

Read also: How to set up a PayPal account

Once the sender has your email account, all he has to do is sign into his PayPal account, click on the three-dot menu button next to the PayPal balance and then select Send or request money. The user can then select the Send tab and enter your email address. He can then input how much money he wants to send you, and click Continue. The sender will be asked what kind of transaction this is. Follow instructions to finish the transaction.

Step-by-step instructions to send money on PayPal:

  1. Log in to PayPal.com.
  2. Click on the three-dot menu button next to your PayPal balance.
  3. Select Send or request money.
  4. Click on the Request tab.
  5. Enter the person’s email.
  6. Hit Next.
  7. Enter the amount and hit Continue.
  8. Select the type of transaction this is, and follow instructions to finish the transactions.

This method relies on another person actively sending you money, but there are ways to request money on PayPal as well. We’ll run through the steps for the web, but they’re virtually identical on the PayPal app.

You don't need an account for someone to send you money, but you do need one to claim it.

Once you’ve logged in, click on the three-dot menu button next to your PayPal balance, then select Send or request money. Click the Request tab. Enter the person’s email, then hit Next. Enter the amount, then hit Request.

We won’t cover it in this guide, but you can create an invoice from the right side of this screen, create a Paypal.me link where people can send you money, or create a money pool.

Step-by-step instructions to receive money on PayPal:

  1. Log in to PayPal.com.
  2. Click on the three-dot menu button next to your PayPal balance.
  3. Select Send or request money.
  4. Click on the Request tab.
  5. Enter the person’s email.
  6. Hit Next.
  7. Enter the amount, currency type, and (optional) a note.
  8. Click Request Now.

See also: How to add money to PayPal

Are there PayPal fees involved?

PayPal stock photo 5 - How to receive money on PayPal
Edgar Cervantes / Android Authority

PayPal has plenty of small fees involved, but they are very lenient on basic transactions between common users. If the sender sends the money using the PayPal balance or a linked bank account, using the friends and family transaction type, there is no fee involved. The only issue is that there is no customer protection when using friends and family, which makes it a bad choice when paying for goods and services.

PayPal also waives fees on AmexSend accounts. There is, however, a 2.9% fee for using a card and a fixed fee that will vary depending on the currency used ($0.30 if using USD).

Things get more complex when using PayPal to sell goods and services. You can take a look at PayPal’s Merchant Fees page for more details.

Read also: Venmo vs. PayPal — Key differences, advantages, and disadvantages

Receiving international payments on PayPal is also subject to specific fees for personal and business transfers. This is typically 5% of the amount with a minimum fee of $.99 and a maximum of $4.99.

How long does it take to receive money on PayPal?

PayPal stock photo 1 - How to receive money on PayPal
Edgar Cervantes / Android Authority

The answer depends on the source of the funding from the sender. It takes just a few minutes to send from their PayPal balance or a debit/credit card. If the money comes from a linked bank account, it can take two to three business days to clear the bank. As a result, it may not be faster to receive money on PayPal than via standard bank transfer in some situations.


Next: How to cancel a PayPal payment

FAQs

PayPal has some transaction limits. These vary by market, but we’ll focus on USA policies. People without a PayPal account can send as much as $4,000. If you have a verified PayPal account, you can send as much as $10,000 per transaction, but there is no total limit.

You can cancel PayPal money transfers, but only under particular circumstances: if the recipient has no account or the account isn’t verified. Otherwise, completed transactions will require a refund or dispute.

PayPal transfers using the PayPal balance or debit/credit card are almost instantaneous. If using a bank account, transfers can take about two to three days.

Friends and family transfers are reserved for personal transactions. As such, they aren’t covered by buyer protection. If you send someone money as friends and family, you will get no help from PayPal in case of any purchase issues.