This detailed guide explains how PayPal credit card transfers work, step-by-step instructions, fees, advantages, disadvantages, and common questions.
What Does “PayPal to PayPal Transfer Using Credit Card” Mean?
A PayPal to PayPal transfer using a credit card means:
- You send money from your PayPal account
- The money source is your linked credit card
- The receiver gets the money in their PayPal account
You do not need a bank account for this method.
Can You Transfer Money from PayPal to PayPal Using a Credit Card?
✅ Yes, PayPal allows this feature, but:
- It is treated as a card-funded payment
- PayPal charges additional fees
- Some credit cards may block the transaction
Requirements to Use a Credit Card with PayPal
Before transferring money, make sure you have:
Step-by-Step: Transfer Money from PayPal to PayPal Using Credit Card
Step 1: Log in to PayPal
Go to PayPal website or app and sign in.
Step 2: Click “Send & Request”
Choose Send money to friends or family or Goods & Services.
Step 3: Enter Recipient Details
Enter the recipient’s:
- Email address or
- Mobile number linked to PayPal
Step 4: Enter Amount
Type the amount you want to send.
Step 5: Select Credit Card as Payment Method
Choose your credit card instead of balance or bank.
Step 6: Review Fees & Confirm
PayPal shows applicable fees → Click Send.
✅ The recipient receives money instantly in their PayPal account.
PayPal Credit Card Transfer Fees (Important)
| Transaction Type | Fee Charged |
|---|---|
| Domestic transfer | Around 2.9% + fixed fee |
| International transfer | 4.4% + currency conversion |
| Friends & Family (card) | Fee applicable |
| Goods & Services | Seller fee applied |
⚠️ Fees vary by country and currency.
Advantages of Using Credit Card with PayPal
| Benefit | Explanation |
|---|---|
| No Bank Required | Useful if bank is not linked |
| Instant Transfer | Receiver gets money immediately |
| Credit Card Protection | Extra dispute protection |
| Global Payments | Send money internationally |
Disadvantages You Should Know
| Limitation | Details |
|---|---|
| High Fees | Credit card fees are higher |
| Cash Advance Risk | Some banks treat it as cash advance |
| Card Restrictions | Some cards block PayPal transfers |
| Not Refund-Friendly | Fees are often non-refundable |
Is It Safe to Transfer Money Using Credit Card on PayPal?
Yes, PayPal uses:
- Advanced encryption
- Fraud detection
- Buyer protection (for eligible payments)
However, always send money only to trusted PayPal accounts.
PayPal to PayPal Transfer: Credit Card vs Bank
| Feature | Credit Card | Bank Account |
|---|---|---|
| Transfer Speed | Instant | 1–3 days |
| Fees | High | Low or free |
| Convenience | Very high | Medium |
| Risk of Extra Charges | Yes | No |
Best Use Cases for Credit Card Transfers
- Emergency payments
- International transfers
- No bank account available
- Short-term cash flow needs
Frequently Asked Questions (FAQs)
Q1. Can I send PayPal money using credit card without fees?
❌ No. PayPal always charges fees for card-funded payments.
Q2. Does PayPal treat credit card transfer as cash advance?
⚠️ Sometimes yes, depending on your card issuer.
Q3. Can the receiver withdraw money to bank?
✅ Yes, once the money is in their PayPal account.
Q4. Is there a transfer limit using credit card?
Yes. Limits depend on:
- Your PayPal account status
- Credit card limit
- Country rules
Q5. Can I reverse a PayPal credit card transfer?
❌ No direct reversal. You must request a refund from the receiver.
Final Verdict
Using a credit card with PayPal to transfer money from PayPal to PayPal is a convenient option when speed matters more than cost. However, due to higher fees and possible cash advance charges, it should be used wisely and only when necessary.
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