Can I Add Funds From a PayPal Line of Credit to My Debit Card?

Linking PayPal to a Bank Account
PayPal allows users to link their accounts directly to a bank account. When PayPal links to a checking account, it deposits money directly into that account via electronic transfer. This money then becomes available in the debit account of the user. PayPal does not allow users to transfer funds not available in an account to a bank account, meaning the direct link between a PayPal account and a checking account cannot be used as a line of credit. All transfers must be completed manually. The company sends physical checks to users for a fee of $1.50, as of the date of publication.
The PayPal Debit Card
PayPal offers a debit card in conjunction with MasterCard. This card allows users to withdraw money from a PayPal account from any ATM worldwide and can be used at any point of sale accepting MasterCard. The funds for the PayPal debit card come directly from the account of the user. If a user wishes to spend more money than a PayPal account holds, that user may connect the PayPal debit card to a bank account. This protects users from overdrafts or potentially denied purchases. The PayPal MasterCard can connect to a debit account, though does not provide a line of credit to users.
The PayPal Credit Card
PayPal offers a credit card to users, also in conjuction with MasterCard. This card works just like a regular credit card. It extends a predetermined line of credit to users and offers points on the purchase of certain items. The PayPal MasterCard allows users to withdraw cash from PayPal accounts at ATMs and make payments on the card directly from a PayPal account. The PayPal credit card does not allow users to connect the line of credit extended by the card to any other line of credit such as a debit card account.
PayPal Smart Connect
PayPal Smart Connect constitutes a line of credit available to PayPal members. Site members sign up for Smart Connect through their accounts. PayPal must approve users for the service. Once approved, users may purchase items on credit from their PayPal accounts. The company specifies the amount of credit available to each Smart Connect approved member upon approving individuals for the program. Users cannot connect the Smart Connect credit line to a debit or credit card; all credit purchases are billed directly to an individual's PayPal account and must be purchased through that account.
Shopping Online with PayPal
PayPal users have the option of purchasing items online through PayPal accounts without the use of Smart Connect or a PayPal debit or credit card. Certain websites connect to PayPal, so that when a user purchases an item, that user enters his or her PayPal account information and the site withdraws payment directly from the account. Users without funds in their accounts cannot use this function. Purchasing items in this manner circumvents the need for a credit or debit card or bank account when making online purchases.

How do I Add PayPal Codes?

1. Browse to the PayPal website and log into your account.
2. Click the 'Merchant Services' tab at the top of the page and select the feature for which you want the code. For instance, click the 'Buy Now' link to generate the PayPal button code, or select the 'Donate' option to implement a donation feature.
3. Use the menus and follow the prompts to enter the information for your PayPal element and specify the characteristics. For example, if creating a gift certificate, type in the Web address where customers will redeem the certificate and use the 'Choose background' menu to set a color layout and theme.
4. Click 'Create Button' at the bottom of the page and click the 'Website' or 'Email' tab to copy the data that goes into your Web page code or into the body of an email message.
5. Click the 'Select Code' button at the text field to copy the information. Access your website code or launch an email and paste the copied code to add your PayPal feature.

How to Make a Payment to a PayPal Plus Credit Card Account

1. View statements, terms and payment requirements by logging into the PayPal account associated with the credit card. Every PayPal Plus Credit Card is associated with a PayPal account, and details of the card may be seen on the Credit Activity page of that account.
2. Make a payment on the PayPal Plus Credit Card directly from the PayPal page by clicking on the link that states 'Make a Payment' on the Credit Activity page. This allows the individual to go to a payment page where a checking or savings account may be linked to the credit card for payment purposes. This method processes payment within days.
3. Mail a payment to PayPal Buyer Credit, P.O. Box 960080, Orlando, FL 32896-0080. To mail a payment, provide your name, account number, payment amount and check to the address provided.
4. Call PayPal directly to make a payment over the phone for a fee of $10 per transaction. To make a payment on the PayPal Plus Credit Card over the phone, call (866) 571-3012 and follow the steps provided by the automated operator.
5. Use the appropriate form of payment accepted by GE Money Bank. To pay on this credit card, individuals are able to use only checks, money orders or electronic payments issued from a United States financial institution. Individuals may not use PayPal or other gift certificates or other credit cards to make payment.

How to Start a Debit Card Account

Bank Account Debit Card
1. Open a bank account if you do not have one already. Provide two valid forms of identification. At least one ID should show a current, verifiable address.
2. Ask your bank if it requires you to have a checking account in order to qualify for a debit card. Some banks may require that you have a savings account and a checking account. One advantage to having a savings account along with your checking account is that the bank can use it to cover any overdraft on your checking account.
3. Make an initial deposit into your account. Some banks require that you maintain a minimum balance in your checking account. Each time your account drops below the minimum balance, the bank can charge a fee. That fee would be waived if you have overdraft protection.
Non-Bank Account Debit Card
4. Purchase prepaid debit cards from a retail establishment such as a drug store, supermarket or department store. You simply pay the store the amount you want on the card. For example, if you want a $500 debit card, pay the cashier $500. You may also need to pay upfront activation fees.
5. Apply for a secured debit card offered by credit card merchants. Send the merchant the amount of money that will become your debit card limit. Merchants may charge nominal fees for transactions and annual membership.
6. Open a PayPal account. PayPal offers debit cards to its members. It does not require a minimum deposit. Put some money into your PayPal account before you use the debit card. Some people use PayPal to receive money from friends and family members. You can also use PayPal to receive money for services rendered or when selling products online. PayPal may still require that you provide checking account information to open an account. Set up your checking account to cover any overdrafts that you may incur through PayPal.

How to Use a PayPal Balance for a Prepaid Credit Card

1. Open the paypal.com website and log in to the website using your PayPal email address and password. Click on "Profile" from the "My Account" tab. The "My Account" tab is the default setting when you log on to your PayPal account. Under the subheading "Financial Information," click the link for "PayPal-branded debit/ATM cards." Click the link "Request a Card."
2. Enter the requested information. PayPal will ask you to confirm your address through a credit card or bank account that is linked to your PayPal account. If you have not already linked a credit card or bank account to your PayPal account, Paypal will ask you to enter your account information for either a credit card, checking account or savings account. PayPal will also ask you to enter the last four digits of your social security number and your date of birth.
3. Wait for your new PayPal Debit MasterCard to come in the mail. You should receive your new card in the mail in approximately 7-14 business days.
4. Activate your new PayPal Debit MasterCard. Log in to your PayPal account. Click the "Profile" link from the "My Account" tab. Click the link for "PayPal Debit Card" under the "Financial Information" subheading. Select the debit card and click "Activate Now." PayPal will ask you to enter the security code on the back of the PayPal Debit MasterCard and to select and confirm a four-digit ATM pin code.
5. Use your PayPal Debit MasterCard to make a purchase at any merchant that accepts MasterCard. The funds for the purchase are automatically debited from your PayPal balance.

How to Pay From PayPal With a Debit Card

1. Sign up for a PayPal account. Establishing a new account online is fast and easy because it generates menu-driven questions to the new user. This website employs the highest level of security ensuring that the user's confidential information is protected from theft.
2. Decide on payment and funding options. PayPal allows users to add to and pay from their accounts. One can use PayPal to pay for purchases even if her specific account balance is zero by using third-party funding (credit cards, debit cards and electronic checks). A user may select one or all available options for additional flexibility.
3. Select one or more debit card options. One choice is to attach one or more bank debit cards (not ATM cards) to the PayPal account. Then you can later choose to make payments from the card(s) attached to the account. Another option is to add a card at the time of payment. PayPal offers users wide flexibility of payment options--permitting any "foiled" (with a VISA or MasterCard logo) plastic card to be used to make payments.
4. Apply for a PayPal debit card as a second distinct option. This is particularly beneficial if you receive payments into or choose to transfer money to your PayPal account from other sources. The PayPal debit card can be used to make electronic payments, point-of-purchase retail transactions and to obtain cash from an ATM.

How to Buy a Domain Name With PayPal

1. Select a Web hosting company. Renowned hosting companies include Go Daddy, Fat Cow and Justhost.com (see Resources below).
2. Use the search tool to search for an available domain name. Most common one-word names are no longer available with a .com extension, but they may be available with a .org, .biz, .net, .info, .us, or .mobi extension. Also try two- or three-word combinations, or even insert a hyphen between words.
3. Select an available name and add it to your cart. This will take you to a page for registration.
4. Register your domain. You will need to enter your name, address and telephone number. Proceed to the checkout page.
5. Review your order and then select your method of payment. Select the PayPal logo if it is included on the list of payment options. This will allow you to pay with the balance in your PayPal account or with your PayPal buyer credit. If the Paypal logo is not available, choose the Mastercard credit option to pay with your PayPal debit or credit card.
6. Submit your payment details to complete your transaction. If you have chosen to pay for your domain name with your PayPal balance or your PayPal buyer credit, you will be taken to PayPal's website to complete the process.