Wie sende ich an PayPal me?

PayPal.Me can be used to submit one-time purchases only. If you do not want to sign up for a subscription or pay for a package with PayPal, you can send us payments using PayPal.Me and you can pay with a credit/debit card instead.

1. Click on the link here. This will re-direct you to our PayPal.Me company link.

Here’s all you need to know about using PayPal.Me:

• What is PayPal.Me and how does PayPal.Me work?
• How do you create a PayPal.Me link?
• How do I pay someone through PayPal.Me?
• What is the fee for using PayPal.Me?
• Need to send or receive money in multiple currencies or countries?

What is PayPal.Me and how does PayPal.Me work?

PayPal.Me launched in the US a few years back, and allows users with a PayPal account to create a customized link to send to friends, family, clients or customers, to request a payment.¹

It can be used both personally, and for your business. You might use this if you’re eating out with friends and want to pay back the person who covered the check, for example. Or, if you’re an entrepreneur or freelancer, you can use PayPal.Me to ask customers and clients to make a payment via PayPal.¹

You just create your personalized link and send it to whomever you want. You can either include a dollar amount you want to be paid, or leave it open — which could help, say if you’re collecting voluntary contributions towards a gift and everyone can give what they wish.²

There are costs involved in using PayPal.Me for business, though. And you may also run into fees if you use it personally, especially if there’s any currency conversion or international payment involved.

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What is the difference between PayPal and PayPal.Me?

The two services aren't really different — as PayPal.Me is a service created by PayPal to help its customers get paid faster and easier. So, with your PayPal.Me link, you can receive money from payees instead of using your email address or phone number you registered on PayPal.

Is there seller protection when you use PayPal.Me? Is PayPal.Me safe?

PayPal offers both buyer and seller protections — however exactly how these apply depend a lot on the transaction in question. You can’t get seller protection on digital items for example, so if you’re a web developer, or sell any form of digital product, then you wouldn’t be eligible for this cover.⁸

To see whether your transactions are covered, you’ll need to check out the small print on the PayPal.Me FAQ, and PayPal user agreement.⁸

How do you create a PayPal.Me link?

You’ll need a PayPal account to create your PayPal.Me link. If you don’t have one already, you can open a regular PayPal account and then take the following steps on your desktop or using the PayPal mobile app:

1. Go to the PayPal.Me webpage and click Create Your Payal.Me Link.
2. Select a username — this is the name which will appear at the end of the link you share to get paid. If you can’t get the name you want because someone else has already signed up for it, you’ll need to choose a new one or select one of the ones PayPal automatically suggests.⁷
3. Click Grab this link — and it’s all yours.
4. You can now follow the steps to personalize and then activate the link. You can add a profile picture and change the colours of the background for example, to that your friends or customers can easily see that it’s your link when they come to pay.

Can you change a PayPal.Me link?

At present it’s not possible to change your PayPal.Me username, so choose wisely. You can not delete your link either once it’s created, although you can hide it from public view if you want to stop using it.²

PayPal.Me can be a handy way to pay friends or family members for personal and shared expenses. However, if you’re making a payment — even domestically in the US — with a credit or debit card, there are fees to pay. And if the payment is international, or made for business purposes these charges can mount up very quickly.

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How do I pay someone through PayPal.me?

It’s a fairly simple process. All you have to do is follow these steps:

1. Open the PayPal.Me link you received from the payee
2. Select the amount of money you’d like to send.
3. Press ‘Next’ to the payee and choose how you’d prefer to pay.
4. Make sure to tick the “Paying for a good or a service?” if you are paying for a product or service.
5. Choose how you’d prefer to pay.
6. Press “Send Now”. And that’s it!

Do you need PayPal.Me to receive money?

While setting up a PayPal.Me link definitely more convenient as it can save some time for you, it’s not necessary to create one. To receive money with PayPal, just give the payee your email address or phone number you registered with on PayPal.

What is the fee for using PayPal.Me?

It’s very important to know when you set up your PayPal.Me link that the terms and conditions — and the costs — will vary depending on whether you’re using the link for personal or business use. If you try to avoid the business fees by classifying payments as personal when they’re actually for goods and services, then PayPal can still charge you the appropriate fees afterwards.³

So, you’ll be charged business use fees if PayPal believes you’re taking business payments under the guise of personal ones. It’s also worth noting that if you have a PayPal Business Account, the assumption is that the PayPal Me link associated with that account will be for business purposes, and whenever you send a link and request money, it’ll be identified as commercial, and charged as such.³

In the following two segments, we're going to show you the domestic and international fees for using PayPal.Me.

Domestic PayPal.Me fees

To send money to friends and family in the US or Canada, you’ll pay the following:

If you have a US PayPal account and are being paid by a customer for goods and services who also has a US PayPal account, then the fee is:

2.99% of the transaction amount⁵

International PayPal.Me fees

If you’d like to send money to friends and family or if you’re being paid by a customer or paying an international invoice of someone who has a PayPal account outside of the US or Canada, you’ll pay the following:

4%, or such other amount if sending money to friends and family and they receive a different currency

4%, or such other amount if the goods or services or listed in another currency

About the currency conversion fee. PayPal adds this fee to the exchange rate they use when you make an international payment. This means that you won’t get the real exchange rate you see on Google.

Instead, PayPal takes an extra profit by adding a percentage charge on top of the rate used. They set a Base Exchange Rate⁷ for the relevant currency, and than add a conversion fee on top of that.

If you want to transfer money to your friends and family abroad, you could be better off if you choose a specialist in international money transfers, like Wise. You’ll be able to make a transfer using the real mid-market exchange rate, and with only a small, upfront fee to pay.

Learn more about Wise

Sources:

1. PayPal.me - Main Website
2. PayPal.me - FAQ
3. PayPal.me - Terms and Conditions
4. PayPal - Fees PDF
5. PayPal - Merchant Fees
6. PayPal - User Agreement p. 17
7. PayPal - User Agreement p. 08
8. PayPal - Seller Protection for Merchants

All sources checked on 25 February 2022

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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