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¹new direct deposit enrollees will be eligible for early access, subject to the terms and conditions. the early access feature will be made available to all eligible direct deposit customers in the coming months. early access can allow a user to access their funds up to 2 days early. early access to funds depends on when we get payment instructions from the payor (your employer or government agency). when we get funds before the scheduled payment date, your money can be made available up to 2 days sooner than scheduled. availability and timing can vary based on the payor and when we get payment instructions. once the funds are received, they will be deposited directly into your paypal balance.

²direct deposit is subject to the payor’s support of this feature. funds deposited via direct deposit will generally be available on the day we receive the funds transfer. you may review activity on your periodic statements or transaction history on www.paypal.com, or call customer service at 1-888-221-1161 to verify receipt. we reserve the right to accept, reject, or limit transfers via direct deposit in our sole discretion. if you wish to cancel direct deposits, you must contact your employer. paypal does not charge any fee to set up or maintain direct deposit. refer to your paypal user agreement for complete direct deposit details. once it’s set up, direct deposit usually takes two (2) pay cycles to begin but can vary across employers. please check with your employer for specific timing.

³as of october 26, 2022, the annual percentage yield (apy) for paypal savings is 2.75%. this is a variable rate and can change at any time, including after the account is opened. banking services provided by synchrony bank, member fdic.

⁴paypal balance account required. when you buy or sell cryptocurrency, including when you check out with crypto, we will disclose an exchange rate and any fees you will be charged for that transaction. the exchange rate includes a spread that paypal earns on each purchase and sale. see cryptocurrency fees.

buying and selling cryptocurrency is subject to a number of risks and may result in significant losses. please see our disclosure for more details. paypal does not make any recommendations regarding buying or selling cryptocurrency. consider seeking advice from your financial and tax advisor. all custody of and buying and selling in cryptocurrency is performed for paypal by its licensed service provider, paxos trust company, llc. buying, selling, transferring, and holding cryptocurrencies is not regulated in many states, including the state of california. paypal, inc. is licensed to engage in virtual currency business activity by the new york state department of financial services. buying, selling, transferring, and holding cryptocurrency with paypal is not available in hawaii and where prohibited by law.

⁵pay in 4 is available to consumers upon approval for purchases of $30-$1,500. pay in 4 is not currently available to residents of missouri, nevada, or new mexico. loans to california residents are made or arranged pursuant to a california financing law license. paypal, inc. is a georgia installment lender licensee, nmls #910457. rhode island small loan lender licensee. when applying, a soft credit check may be needed, but will not affect your credit score. you must be of legal age in your u.s. state of residence to use pay in 4. offer availability depends on the merchant and also may not be available for certain recurring, subscription services.

⁶pay monthly is subject to consumer credit approval. apr is 9.99-29.99% based on your credit. terms may vary based on the purchase amount. for example, a $600 purchase can be paid at 18% apr in 6 monthly payments ($105.34/mo.; $32.02 interest; $632.02 total of payments), 12 monthly payments ($55.02/mo.; $60.20 interest; $660.20 total of payments), or 24 monthly payments ($29.96/mo.; $119.07 interest; $719.07 total of payments). payments may change based on shipping, taxes, updates to your purchase, or missed payments. offer availability depends on the merchant and may not be available for subscriptions or recurring payments. pay monthly is currently not available to residents of ak, co, hi, ma, ne, nv, nh, ny, and tx. you must be of legal age in your u.s. state of residence. missed payments may have an impact on consumer’s credit report. the lender for pay monthly is webbank. paypal, inc.: ct small loan licensee, nmls #910457. ri loan broker licensee. vt loan solicitation license, nmls #910457. vt residents: this is a loan solicitation only. paypal, inc. is not the lender. information received will be shared with one or more third parties in connection with your loan inquiry. the lender may not be subject to all vermont lending laws. the lender may be subject to federal lending laws.

⁷pay with rewards will be available for eligible credit cards on eligible purchases or can be donated to support a charitable cause with paypal giving fund. all reward redemptions are subject to your issuer’s reward program terms. to learn more about pay with rewards, see terms and conditions.

⁸cash back terms and conditions apply.

⁹an account with paypal is required to send and receive money.

¹⁰fees and limitations apply. in addition to the transaction fees, xoom also makes money when it changes your us dollars into a different currency. no paypal or xoom account necessary.

¹¹paypal covers all transaction fees when donating to the paypal giving fund, a 501(c)(3) charity, subject to its terms. donations can take up to 45 days to get to your chosen charity. it’s rare, but if we can’t send your money to this charity, we’ll ask you to recommend another. if we can’t reach you, we’ll send it to a similar charity and keep you updated. your donation is typically tax-deductible in the us. when giving through the generosity network, there are transaction fees for all non-charity fundraisers.

all screen images shown are for illustrative purposes only. actual experience will be based on account activity.