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PayPal Debit Card

Updated on May 29, 2013

In this article I will explain the requirements of obtaining and having a debit card that is issued by PayPal. I will try to be as comprehensive and detailed as I can.

You need to have a premium account to apply for a PayPal debit card. It is MasterCard. It works just like any debit card that you receive from your bank.

If you are a member of the Preferred Reward Program, and if you have a premium account, you receive 1% of your purchases back. This 1% is calculated after the NET, not the gross amount of the purchase. When you sell online, you must turn on the "Tell Buyers that I prefer PayPal payments" preference. Also under the terms of the Preferred Reward Program, you either must make a purchase online, or a purchase that needs signature, and not your PIN number. At some stores you may choose to pay by credit or by ATM/debit; you must choose credit payment. Personal Account debit cards and Student cards of PayPal are not available in the Preferred Reward Program. The amount of the cashback is calculaded and debited to your PayPal balance at the end of each month.

You have a 100 per cent refund of your spending in case of a fraudulent spending, if you notify PayPal through its contact form within 2 business day.

The daily spending limit is $3000.

The daily ATM withdrawal limit is $400.

You can view your limits at the following page when your are logged in: My Account/Profile/PayPal Debit Card.

You can track your debit card transactions (ATM withdrawals and purchases) in the “History” page of your account.

When you use your debit card from PayPal the merchant may initiate a preauthorization prior to the payment. In such a case, PayPal puts a hold on the amount of the purchase to be authorized, and you cannot use that amount of your PayPal balance for anything. After 4 business days, when the merchant accepts the payment, the hold is lifted, the purchase amount is debited from your PayPal account. If the purchase amount is larger than sum of your PayPal balance, AND your backup account, your purchase might still be made and so your PayPal balance may go into negative.

You may choose to apply for a second PayPal Debit Card for the same PayPal account in conjuction to your existing PayPal Debit Card. You will receive it only if you continue to meet all the requirement that are applicable for the for Debit Card. Of course all the fees that are associated with your second PayPal Debit Card, just as in the case of the first one, are debited from your current PayPal account balance, or from the backup account, if you provided one and the fees are not covered fully by your PayPal balance.

You can set up a backup balance. This is what backup balances do; when you purchase or withdraw an amount that is larger than your balance for the given currency account at PayPal, than the excess amount will be withdrawn from the bank account that you specify for the backup. If you don’t have enough funds, you can also use “PayPal Credit”. To add your bank account for backup, click the “Profile” tab, and then “Debit Card” tab.

PayPal Debit Card Fees

Fee Structure
ATM Withdrawal US
$ 1.00 (Plus any amounts charged by the ATM owner.)
Signature Withdrawal
$ 3.00 if a signature is required.
Non-US ATM Transaction (Using an ATM machine that is not in the US)
1% This fee will apply even if the transaction does not require a currency conversion.
Non-US Debit Card Usage (Making a purchase from a seller that is not in the US)
1% This fee will apply even if the transaction does not require a currency conversion.


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