4 Ways to Pay Your PayPal Credit Card

By John Csiszar

May 16, 2022

ymgerman / Shutterstock.com

PayPal offers two types of credit cards through Synchrony Bank that you can use to pay for purchases anywhere that Mastercard is accepted.  These cards are different from the PayPal credit line that allows you to extend payment on your PayPal purchases. Currently, the PayPal Cash Back Mastercard offers 2 percent cash back on all purchases, and the PayPal Extras Mastercard offers three points on gas and restaurant purchases, two points on PayPal and eBay purchases and one point on other transactions. If you don’t pay your PayPal credit card balance in full, you’ll accrue interest charges on any unpaid balance. Keep reading to learn about the different ways you can pay your PayPal credit card.

How Do I Pay My PayPal Credit Bill?

Just like with traditional credit cards, you’ll get monthly statements for your PayPal Mastercard, which you can view on PayPal’s website once you link your credit card with your PayPal account. You can pay your bill using either your PayPal balance or your bank account in one of four ways:

• Online
• Mobile app
• Phone
• Mail

There are no fees for any of these options. If you’re having trouble making a payment, you can always contact PayPal customer service at 888-221-1161. 

How to Make a PayPal Credit Card Payment Online 

Once you’ve synced your credit card to your PayPal account, paying your bill online might be the quickest and easiest method. Here’s how to do it:

1. Log into your PayPal account.
2. On the left side of the page under “PayPal Credit,” click “Make a Payment.”
3. Choose the amount, method and date of your payment. In this section, you can choose whether you want to use your PayPal balance or your bank account to pay.
4. Click “Continue.”
5. Review your payment details.
6. Click “Pay.”

Under the “Make a Payment” section, you can also set up PayPal automatic payments if you so desire. You can automatically pay either the minimum amount due every month or your full statement balance. Payments will come out of the confirmed bank account in your PayPal wallet.

How to Make a PayPal Credit Card Payment via App 

With the PayPal mobile app, you can pay your bill with a few simple steps:

1. Tap “Manage PayPal Credit” in the PayPal app.
2. Tap “Make a Payment.”
3. Choose the amount of your payment.
4. Select a funding source for your payment.
5. Choose your payment date.
6. Tap “Pay.”

How to Make a PayPal Credit Card Payment by Phone

You can make a PayPal payment over the phone at any time. To pay by phone, call the toll-free number on the back of your card. Have your PayPal credit card number handy, along with your bank account information. You’ll be directed to an automated system to pay your bill. Follow the prompts to schedule your phone payment.

How to Make a PayPal Credit Card Payment by Mail 

Even though PayPal is at the forefront of electronic commerce, you can also pay your bill the old-fashioned way, by mail. Mail a check or money order to the following address:

PayPal Credit

P.O. Box 71202

Charlotte, NC 28272-1202

PayPal Credit Card Late Fees

It’s important to get your PayPal credit payment in on time. If you don’t pay at least the minimum by the payment due date, PayPal will assess up to a $27 late fee for the first offense. If you miss any more payments over the next six billing cycles, you’ll face a fee of up to $37. 

Click through to read about the best rewards credit cards.

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GOBankingRates is a personal finance and consumer interest rate website owned by ConsumerTrack Inc., an online marketing company serving top-tier banks, credit unions, and other financial services organizations. Some companies mentioned in this article might be clients of ConsumerTrack Inc., which serves more than 100 national, local and online financial institutions. Rankings and roundups are completely objective, and no institution, client or otherwise, paid for inclusion or specific placement. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved, or otherwise endorsed by the companies included in the article.

Information is accurate as of May 16, 2022.

About the Author

John Csiszar

After earning a B.A. in English with a Specialization in Business from UCLA, John Csiszar worked in the financial services industry as a registered representative for 18 years. Along the way, Csiszar earned both Certified Financial Planner and Registered Investment Adviser designations, in addition to being licensed as a life agent, while working for both a major Wall Street wirehouse and for his own investment advisory firm. During his time as an advisor, Csiszar managed over $100 million in client assets while providing individualized investment plans for hundreds of clients.