While you cannot make a payment on your PayPal Credit account using a credit or debit card, you do have several other payment options. These include using your PayPal balance, using your bank account, or paying via check or money order. You also have a few different ways to make your payment, such as online through the PayPal website, through the PayPal mobile app, by mail, or over the phone.

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Accepted Payment Types/Methods for PayPal Credit

PayPal Credit is a line of credit that can be used for purchases at stores that accept PayPal. It is similar to using a credit card, except you do not have a physical card. Instead, you choose PayPal Credit as your payment method when checking out online or at a brick-and-mortar store. You can verify your PayPal Credit account by submitting some personal identifying information, such as your date of birth. Rather than making an immediate payment at the time of purchase, you won’t have to pay until you receive your PayPal Credit statement.

You cannot pay your PayPal Credit account using a credit card or a debit card. Accepted payment types include using your PayPal balance, using your bank account, or paying via a check or money order. You also have a few options when it comes to ways to pay your bill. You can pay online through the PayPal website or PayPal mobile app. You can also pay over the phone or by mailing a check or money order.

Pay via PayPal Balance

If you have an existing PayPal balance, you can apply those funds to your PayPal Credit account by logging on to the PayPal website or using the PayPal mobile app. If there is still an amount due on your PayPal Credit account after you’ve applied all of your available funds, then you may use one of the payment methods listed below to pay the remaining balance.

Pay via Bank Account

If you link your checking or savings account to your PayPal account, you can transfer funds from your bank account to your PayPal account. You can use those funds to pay your PayPal Credit account. Visit PayPal’s website for step-by-step instructions on linking your bank account to your PayPal account. Once your bank account is linked, you can use this payment method through the PayPal website or through the PayPal mobile app. You can also use the automatic payment option to set up recurring payments of either your minimum due or your full statement balance each month.

Pay via Check or Money Order

If you don’t want to pay online, you can pay by mail. You can mail a check or money order to:

PayPal Credit
P.O. Box 105658
Atlanta, GA 30348-5658

Payments should be made out to PayPal Credit, and you should include your account number on the check or money order. If you’re unsure what your account number is, you can look it up on your online statement. PayPal advises allowing 5-7 business days for processing. So, if you’re going to send in a payment, be sure to allow enough time for the payment to be received and processed before the due date. Even if a payment is mailed prior to your due date, you may still incur late fees if the payment is processed after it was due.

Pay by Phone

To pay by phone, you can call PayPal Credit Customer Service at (866) 528-3733. There are customer service representatives available Monday through Friday from 5 AM to 8 PM PT and Saturday and Sunday from 6 AM to 6 PM PT. Make sure you have your PayPal Credit account number and bank account information ready before calling.

In Summary

PayPal Credit is a line of credit that can be used as a form of payment anywhere PayPal is accepted. While you can’t make a PayPal Credit payment using a credit or debit card, you can make a payment using your PayPal balance, your checking or savings account, or by check or money order. In addition, you can choose to make your payment online via the PayPal website, online via the PayPal mobile app, through the mail, or over the phone with a PayPal Credit customer service representative. You may also be interested in our article: Who Accepts PayPal Credit Online and In-Store?