Personal Finance

How to use PayPal in India


PayPal has become one of the most popular payment options for online businesses, but it may not be available in all countries. This article takes a look at how to use PayPal in India and answers any questions you may have about the process. With PayPal, it’s possible to accept payments securely and with ease. Whether you’re starting up an online business or simply need to transfer money, this guide will provide the necessary steps to get started.

Introduction: What is PayPal and Can I Use it in India?

PayPal is a digital payment platform that allows users to send and receive money online. It is an online financial service provider founded in 1998, and it operates in more than 200 countries and regions around the world. PayPal is one of the most popular and widely used online payment methods.

PayPal enables users to securely send and receive payments online. It also provides an easy way to transfer money between two parties without having to exchange bank account information or other personal details. Additionally, PayPal allows users to shop online without having to enter their credit card information each time.

In India, PayPal is accepted as a payment method for many e-commerce sites, including Amazon, Flipkart, Myntra, Jabong, Snapdeal, and many others. You can also use PayPal to pay for services such as streaming subscriptions, online courses, and more.

In order to use PayPal in India, you will need to sign up for an account with PayPal.

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This is a quick and easy process that only requires basic information such as your name, email address, and password. Once you have created an account, you can link your bank account to PayPal, which will allow you to transfer money from your bank account to your PayPal account.

Once you have linked your bank account to PayPal, you can start using it to make payments. To do this, simply enter the recipient’s PayPal ID or email address when you are prompted to pay. You will then be asked to confirm the payment and once you have done so, the funds will be transferred from your PayPal account to the recipient’s account.

PayPal is a safe and secure way to make payments online. It is convenient and easy to use, and it allows you to send and receive money quickly and securely. In India, PayPal is accepted as a payment method on many e-commerce sites, making it a great choice for online shoppers.

Adding Money to Your PayPal Account From India

Adding money to your PayPal account from India is a simple and straightforward process. It is important to understand the different ways in which you can add money to your PayPal account.

1. Using a Bank Account:

The easiest way to add money to your PayPal account from India is by linking your bank account with it. To do this, log into your PayPal account, click “Profile” and then “Link a Bank Account”. From there, you will be prompted to enter your bank account details. Once this is done, you can transfer funds from your bank account directly into your PayPal account. This process usually takes three to four business days for the money to be credited to your PayPal account.

2. Using a Credit/Debit Card:

You can also use a credit or debit card to add money to your PayPal account. This process is slightly more complicated than linking your bank account as you will need to provide some additional information such as the card type, number, expiration date and the three-digit security code. Once you have provided this information, the money will be instantly credited to your PayPal account.

3. Using a Local Payment Method:

If you are based in India, you can use local payment methods such as UPI, PhonePe, Google Pay, etc. to add money to your PayPal account. To do this, you will need to log into your PayPal account and select “Add Money” from the menu. Select the payment method of your choice, enter the amount you want to transfer and then follow the onscreen instructions to complete the transaction.

4. Using an eCheck:

An eCheck is an electronic version of a paper check and can be used to add money to your PayPal account from India.

To do this, you will need to log into your PayPal account and select “Add Money” from the menu. Select “eCheck” and then enter the necessary details such as your bank account number, routing number and the amount you want to transfer. Once this is done, the funds will be credited to your PayPal account within three to four business days.

These are the four main ways in which you can add money to your PayPal account from India.

It is important to remember that while adding money to your PayPal account is relatively easy, withdrawing funds may not be as straightforward. Therefore, it is important to read the terms and conditions carefully before initiating any transactions.

Using PayPal for Online Shopping in India

Using PayPal for online shopping in India is a great way to make secure payments. PayPal is an international payment gateway that allows you to pay for goods and services using your credit card, bank account, or PayPal balance. It is widely accepted by merchants all over the world, including India.

The first step in using PayPal for online shopping in India is to create an account. To do this, go to the PayPal website and click on ‘Sign Up’.

Enter your personal details such as name, address, and contact information. Next, choose a payment method. You can choose from a variety of payment methods including debit cards, credit cards, net banking, and UPI.

Once you have created your PayPal account, you can link your bank account or credit card to it. To do this, go to ‘Profile’ and then ‘My Money’.

Here, you can add your bank account or credit card details. After linking your account, you will need to verify your identity. This is done by providing your PAN card or Aadhaar card details. Once verified, you can start using your PayPal account for online shopping.

When shopping online, look for the PayPal logo at checkout. This indicates that the merchant accepts PayPal payments. S

elect PayPal as your payment method and enter your login credentials. Your payment will be securely processed and the amount will be deducted from your PayPal balance or linked bank account/credit card.

PayPal also offers additional features such as buyer protection, dispute resolution, and refunds.

These features protect you from fraudulent activity and help you get your money back if you are not satisfied with the purchase.

Using PayPal for online shopping in India is a safe and secure way to make payments.

It is accepted by most merchants and provides you with additional features such as buyer protection and dispute resolution. All you need to do is create an account and link your bank account or credit card to it. Once that’s done, you can start making payments with ease.

Using the AliExpress App With PayPal in India

AliExpress is an online retail service made up of small businesses in China and other locations, such as Singapore, that offers products to international online buyers. It is owned by the Alibaba Group. AliExpress allows consumers from around the world to buy directly from wholesalers and manufacturers in China and have access to a wide variety of products at wholesale prices.

In India, AliExpress has become very popular due to its competitive prices and wide variety of products. With the introduction of the AliExpress App, it has become even easier for Indian shoppers to purchase items from AliExpress.

Using the AliExpress App with PayPal is a great way to make payments while shopping on the AliExpress website.

This is because PayPal is one of the most secure payment methods available today. Moreover, PayPal offers buyer protection, which means you can get a refund if the product you purchased is not as described or is defective.

To use PayPal on AliExpress, you will first need to set up a PayPal account. This can be done easily on the PayPal website.

Once your account is set up, you can link your PayPal account to your AliExpress account.

To do this, simply log into your AliExpress account and go to the Payment Settings page. Here you will find the option to add a new payment method. Select PayPal from the list and then follow the instructions to link your PayPal account.

Once your PayPal account is linked, you can now start using it to make payments on AliExpress.

To do this, simply select PayPal as your payment method when you are ready to check out.

You will then be asked to log into your PayPal account and confirm the payment. After the payment has been successfully processed, you will receive a confirmation email from PayPal.

Using the AliExpress App with PayPal makes it easy and safe to shop on the AliExpress website.

It also gives you peace of mind knowing that you are covered by PayPal’s buyer protection policy if anything goes wrong with your purchase.

So if you are looking for a secure and convenient way to make payments on AliExpress, then using the AliExpress App with PayPal is definitely the way to go.

Sending Money From India to the USA With PayPal

If you are looking to send money from India to the USA with PayPal, it is a relatively straightforward process. You will need to have an account with PayPal that is linked to your Indian bank account or credit/debit card.

The first step is to open a PayPal account in India if you don’t already have one. This can be done on the PayPal website or through the PayPal mobile app. Once your account is set up, you will need to link it to your Indian bank account or credit/debit card.

This is a simple process that requires you to enter your bank account or card details.

Once your account is ready, you can begin the process of sending money from India to the USA.

To do this, you will need to log into your PayPal account and click on the ‘Send Money’ tab. On the next page, you will need to select the ‘Send Money to Friends and Family’ option and enter the recipient’s PayPal email address. Then you will need to enter the amount you would like to send, select the currency and add a message if you wish.

After reviewing the payment details, you will be required to confirm the payment.

Once the payment is confirmed, the funds will be securely transferred to the recipient’s PayPal account. The recipient will then be able to withdraw the funds to their US bank account or use it to make purchases online.

When sending money from India to the USA, you should bear in mind that there may be fees associated with the transaction. The fees vary depending on the amount being sent and the payment method used. It is also important to note that there may be restrictions on how much you can send at any one time.

Overall, sending money from India to the USA with PayPal is a relatively straightforward process.

All you need to do is open a PayPal account and link it to your Indian bank account or card.

From there, you can start sending money to your friends and family in the USA. Just remember to take into account any fees or restrictions that may apply.

Is PayPal Safe in India?

PayPal is one of the most popular and trusted payment platforms in India, with millions of users across the country. It is an online payments system that allows you to securely send money to and from other people, businesses, and organizations.

PayPal is a secure platform for sending and receiving money. All data transferred between the sender and recipient is encrypted and stored securely.

PayPal also uses strong fraud protection measures to help keep your account safe. PayPal also has a range of features designed to protect buyers and sellers, such as buyer protection, seller protection, and dispute resolution.

When using PayPal, it’s important to remember that you are responsible for keeping your account secure.

Make sure to choose a strong password and never share it with anyone. Additionally, you should always check the URL of any website you’re using to make sure it’s legitimate. Never enter your login details on any website unless you know it is secure.

PayPal also offers two-factor authentication, which adds an extra layer of security to your account.

With two-factor authentication, you will be required to enter a code sent to your mobile phone or email address in addition to your password. This helps to ensure that only you have access to your account.

Overall, PayPal is a safe and secure way to send and receive money in India.

However, it’s important to remember that you are ultimately responsible for keeping your account secure. If you follow the advice outlined above, you can ensure that your money is kept safe when using PayPal.

Which Banks Support PayPal in India?

PayPal is one of the most popular online payment services in India, allowing users to easily transfer money internationally or within India. PayPal is accepted by a large number of banks in India and can be used to make payments at any merchant that accepts it.

The list of banks that support PayPal includes Axis Bank, HDFC Bank, IDBI Bank, Kotak Mahindra Bank, State Bank of India (SBI), Indian Bank and many more.

In order to use PayPal in India, you must first link your debit or credit card or bank account to your PayPal account. This will enable you to send and receive payments from other PayPal users. You can also withdraw funds from your PayPal account to your linked bank account.

When you withdraw money from your PayPal account, it is processed by FNB and sent to your linked bank account.

When setting up your PayPal account, you should use your business or personal name as shown on your Permanent Account Number (PAN) card, and add your local bank account and purpose code. Once your account is set up properly, you can enjoy the benefits of using PayPal without worrying about any fees or charges.

With PayPal, you can send and receive payments quickly and securely, while also having the peace of mind that your funds are always safe.

Additionally, PayPal also offers protection against fraud and chargebacks, ensuring that your money is safe during transactions.

Overall, PayPal is a great way to make online payments and transfer money internationally or within India.

With a wide range of banks that support PayPal, it is easy to find one that meets your needs. Furthermore, the added security features offered by PayPal make it the perfect choice for anyone looking to make online payments in India.

What are the disadvantages of using PayPal in India

Using PayPal in India has both advantages and disadvantages. In terms of advantages, PayPal is a highly secure financial service that uses some of the best end-to-end encryption available. It also has a dedicated team of security specialists who monitor every transaction 24/7 to help prevent against fraud, email phishing and identity theft. However, there are also some disadvantages to using PayPal in India.

Firstly, there are certain limitations imposed on customers when it comes to transferring funds in India.

Customers can only make commercial payments to India, but merchants are not allowed to withdraw funds in rupees to local banks. Furthermore, customers have a maximum transfer amount of $5,000 per day, $5,000 per week, and $15,000 per month.

Secondly, PayPal also charges a fee for domestic payments which is 2.5% of the transaction value plus a fixed fee of ₹3. In addition to this, PayPal also adds a markup to the actual mid-market rate when performing currency conversions, which can be costly.

Finally, business owners in India are required to confirm their identity in order to comply with regulations, and any unauthorised account use is subject to penalties.

Overall, while PayPal is a secure and convenient way to send or receive payments, there are some drawbacks when using the service in India. Customers should be aware of the limitations, fees and penalties associated with using PayPal in India before signing up.


I'm an Entrepreneur, Blogger & Mentor. Having lived in the USA for almost 7 years, I got bored and returned back to India. While doing so, created this website as a way to curate and journal my experiences. Today, it's a movement with a large community behind it. I hope this website helps NRIs planning to move back to India, make their transition smooth and easy. Feel free to ask any questions you may have. Happy to help!

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