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Key takeaways:

  • PayPal is the most popular online payment system in the Philippines.
  • PayPal is an excellent option for immediate fund transfer and online purchases.
  • But there should be money in your PayPal account first.
  • You can use the funds for your PayPal transaction.

Complete PayPal Guide in the Philippines

With 372 Million active users spread across 200+ countries and support for 100+ currencies, PayPal is the central cogwheel of the digital payment revolution worldwide.

PayPal enjoys strong market dominance in digital transactions in developed countries like the US or UK. But the widespread mistrust in online transactions and worries like:

“Will I get the exact product I ordered?”
“Is the platform safe to share my financial data?”
“Will someone hack my account and withdraw money?”
“If anything goes wrong, where should I contact?”

Stopped PayPal from replicating the success in developing economies such as the Philippines.

But the pandemic-induced lockdowns and the insistence on Covid Appropriate Behaviours brought a tectonic change in our lives. For employment, Work From Home( WFH) is the new normal; for purchasing its “Online Purchase.” Knowingly or unknowingly, we are now part of the digital economy.

A Filipino has many options such as digital wallets, credit cards, debit cards, or online banking for his online transactions.

But what makes PayPal the most popular online payment system in the Philippines, with a whopping share of 77% for cross-border transactions?

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The importance of PayPal in the Philippines

The overwhelming popularity of PayPal across the world is due to its attributes of reliability, ease of use, features, customer support, and affordability.

A valid email address is the only requirement to open a PayPal account. There are no monthly fees or maintenance charges either.

It uses end-to-end encryption and follows the most advanced security measures to ensure an impenetrable, secure environment for your sensitive financial information.

Now a significant number of Filipinos are working as freelancers or doing online jobs. They need an online payment system to receive international payments.

Lockdowns and travel restrictions have changed the shopping habits of people. An online shop needs to offer a reliable and easy-to-use digital payment system for its customers.

PayPal is the ideal choice for such situations. It has a global presence, supports multiple currencies, and posses an easy-to-use interface. So, both your international and local clients won’t have any issues in using them.

If you are traveling or working abroad, using the bank account or credit card issued from your home country for local purchases is a hectic and costly affair. But PayPal overcomes this situation by converting your wallet money to local currency and then use it for purchase.

This feature is a tremendous advantage for OFWs to meet the frequent demand for mobile data recharge for their kid’s online classes.

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How to make a PayPal account in the Philippines

You only need the recipient’s email id to initiate a PayPal transfer. No PayPal account is mandatory for the recipient. If the recipient doesn’t have a PayPal account, the email notification will have the link to create one.

This simplistic approach of money transfer without entering credit card details or bank account numbers for every transaction is a tremendous advantage for PayPal users, especially during flash sales.

PayPal typically offers two types of accounts Personal and Business.

Account Creation

Whether it is a Personal or Business account, the steps to create a PayPal account are almost the same, except with the choice of account type and documents for verification.

1.Create a PayPal id by “Signing Up” on the website

2. Set the country as “Philippines” and currency as “Philippine Peso.”

3. Choose the account Type ( Personal or Business)

4. Enter your personal/Business details as per the account type

5. Upload the necessary documents

6. Accept the terms and conditions

7. Confirm your email id and mobile number

Link a Bank Account / Credit or Debit Card

PayPal is just a payment platform. To make transactions, you need to add money to the wallet. We achieve this by linking your bank account, credit card, or debit card to the PayPal account and transfer money from it to the PayPal account.

Similarly, you can withdraw money from a PayPal account only by transferring it to the linked bank accounts or cards. Once the amount is available in your account, you can collect it by visiting the ATM or through the bank.

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The linking process is as follows:

Step1: Login to your account

Step2: Click on the option “Link A Card” available on the account summary page.

Step3: If any other card/account is already linked, this option may not be available. In such cases, click on the “Wallet” on the top menu bar.

Step4: Enter your credit/debit card or bank account details.

Step 5: Review the details and click “Link Card” or “Link Your Bank”

That’s it.

Account Verification

PayPal allows withdrawal of money to verified accounts or debit or credit cards only.

To confirm your card and verify your PayPal account, click on the “Confirm your Card” option available on the wallet page and follow the on-screen instructions.

Those without a bank account or credit card can link their fully verified digital wallets such as Gcash, PayMaya, or Payoneer and can use PayPal without any limitations.

PayPal does not charge for transferring money between PayPal accounts. Still, there is a withdrawal fee when you move your money from PayPal to a bank account or credit/debit card.

How to create a personal PayPal account

The primary goal of PayPal personal accounts is online shopping or sending money to friends and family. A freelancer can occasionally use it for accepting payments as well.

The significant drawback of this account is the disclosure of your name to the buyer. There may be some restrictions for accepting credit card payments as well.

During account creation, you need to choose the account type as “Personal” and enter details of your identification cards such as Passport or UMID.

How to create a business PayPal account

A business account is PayPal personal account with extended features to convert your website to an e-commerce platform.

It allows logins for up to 200 employees and operates under the business name. While creating a business account, ensure that the account type “Business” and has submitted all the relevant business documents for verification.

In addition to the availability of day-to-day business operation tools, a business account offers 24/7 online fraud monitoring and seller protection.

How to load PayPal in the Philippines without a bank account

Unfortunately, there is no such option at the moment. You can only deposit money into PayPal via a bank account.


  • Can I send money to Philippines using PayPal?
    You can transfer funds between more than 200 different countries. However, PayPal's international transfers aren't free, so you'll have to check what the fee is for each transfer within your country of choice.
  • Is PayPal safe to link bank account 2020?
    PayPal uses extensive security measures to safeguard your bank account or credit card numbers. PayPal provides 100% protection against unauthorized payments sent from your account.
  • Where can I cash out my PayPal in Philippines?
    You can cash out at over 20,000 BancNet ATMs in the Philippines or shop anywhere with the GCash MasterCard.

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How to buy load using PayPal?

Several websites and Mobile Apps are available for purchasing load online. Specify the mobile number you wish to load and the denomination in the corresponding interface. During check out, choose the option “PayPal” and then make the payment.

PayPal Buyer Protection policy offers complete reimbursement of your purchase cost, including shipping costs, in the event of non-delivery or product mismatch from seller description. Similarly, it protects you from the financial implications of unauthorized purchases from your account if you report it within 60 days.

Similarly, the seller protection feature safeguards the seller from the fraudulent claims of unauthorized payments or non-receipt of the purchased item.

These protection policies alleviate the fears of online purchases. The smooth interface of the mobile app makes the entire process a cake-walk experience for the user.

The Philippines has all the ingredients to create a perfect ecosystem for the growth of the digital economy and PayPal. The Filipinos are known for their internet literacy levels and technical adaptability. Hence such a massive growth of PayPal in the Philippines is not surprising. But it is inspiring.

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PayPal Requirements for transfer money

There is no sending limit for a PayPal account holder as long as the money is available. If your PayPal account doesn’t have the balance, you can use the linked account/card balance for the transfer.
The charges, like conversion charges, apply only to the recipient. The sender doesn’t need to worry about finding additional money as a transfer fee.

Withdrawal from PayPal account to your linked cards or account incurs a withdrawal charge that varies with the amount, banks, and country. However, if you transfer your money to your digital wallet accounts such as GCash or coins, ph, there are no withdrawal charges. You can withdraw money from PayPal to Gcash wallet by linking the PayPal account to GCash using the option “Link PayPal account” in the Gcash interface. After authorization in the PayPal interface, log in to your GCash account and select “PayPal to Gcash” as the “cash In” option.

Enter the withdrawal amount and currency. Then wait for the notification message from Gcash. PayPal to transfer is a bit different from the PayPal to Gcash transfer.

PayPal doesn’t allow direct transfer to wallet. So you have to transfer first to GCash wallet and then configure GCash as the cash-in option for your account.

How to send money through PayPal

Whether it is the app or website, simplicity is the core of PayPal. Sending money through PayPal is the embodiment of their focus on user experience.

The steps to send money to another PayPal user is as below:

1. Login to your account
2. Click “Send & Request”
3. Enter recipient’s email address, amount, and currency
4. Select “sending To a friend.”
5. Choose the funding source – PayPal Balance or any of your linked credit or debit card.
6. Review and click the “Send Payments” button

Your recipient will get a notification about the transfer.

How to add money to PayPal

One can add money to his PayPal wallet by transferring funds from linked bank accounts, credit/debit cards, or digital wallets. You can also increase your PayPal balance by requesting/ accepting remittance to your PayPal account.

How to transfer money from PayPal to Gcash wallet

You need to link your PayPal account to your GCash account. You can then easily transfer money from your PayPal account to your GCash wallet within 24 hours.

How to transfer money from GCash to PayPal

You can link your GCash account to your PayPal account via the GCash app. However, this is only convenient for funding your GCash from your PayPal account. To transfer money from GCash to PayPal you will have to use your GCash MasterCard debit card.

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Written by: Sean Martin D. Plantado

Author pages:
Sean Martin Plantado is the head of Customer Care Dept. and Online Sales Dept. of Digido Finance Corp. creating articles, blogs, and other learning mediums that helps Filipinos struggling on their financial literacy. Sean also loves Cycling, Photography, Cinematography, Online gaming, Fine Arts, and dreams of becoming a Doctor of Veterinary Medicine.