How does PayPal.Me work?

Learn how to create a custom link for your PayPal account and what you can use it for.

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What is PayPal.Me?

PayPal.Me allows PayPal members to create a custom link for quickly requesting payments directly to their PayPal account. It was launched in 2015 to remove the need to give out personal information, like an email address or phone number, and can be customised with preset amounts of money.

What are the benefits?

  • Create a simple, personalised link to share with friends, family, customers, strangers and more.
  • Customise links with the amount of money you want to be paid.
  • Have funds transferred directly to your PayPal account.

What should you watch out for?

  • You can't change your PayPal.Me link once it's created.
  • You can only have one PayPal.Me link per PayPal account.
  • There are no tracking features for payments, so you won't know why or what the money was sent for.

PayPal.Me fees

Because PayPal.Me transactions are the same as PayPal transactions, any fees you'd normally incur from PayPal will be attached to the PayPal.Me transaction.

The following fees apply when sending money to friends and family internationally.

Funding methodFees
PayPal balance or linked bank account5% of the transaction amount ($0.99 minimum, $5.99 maximum)
Credit card, debit card or PayPal Credit5% of the transaction amount ($0.99 minimum, $5.99 maximum) + 2.6% of the transaction amount paid using a credit card, debit card or PayPal Credit + a fixed fee based on the currency

Read our PayPal review to learn more about potential PayPal.Me fees

How to use PayPal.Me

Your PayPal.Me link is designed to make requesting payments easier. Signing up requires you to already have a PayPal account or you must be willing to make one. Once you have a PayPal account, follow these steps to create your PayPal.Me link:

  1. Visit PayPal.Me in the web browser of your choice.
  2. Click Create Your PayPal.Me Link.
  3. Log in to your PayPal account.
  4. Enter the text you want for your PayPal link. Remember, this cannot be changed after you set it.
  5. Review your information and agree to the terms, conditions and privacy policy.
  6. Click Agree and Create to finalise your PayPal.Me link.

PayPalMe link sharing options

How to request money through PayPal.Me

Requesting money through PayPal.Me is as easy as sending your custom link to whoever you are requesting money from. There are two types of link you can send to request money:

  • https://www.paypal.me/YOURNAME: This will request a payment without a specific payment amount. For example, paypal.me/finder.com will request any amount of money to be sent to the finder.com PayPal account.
  • https://www.paypal.me/YOURNAME/number: Whatever number you place at the end will create a request for that amount of money. For example, paypal.me/finder.com/100 will request $100 to be sent to the finder.com PayPal account.

You can create a PayPal.Me link through the PayPal.Me website or using the link structure above.

How do I pay someone through PayPal.Me?

To make a payment through PayPal.Me, ask the person you want to pay to send you a PayPal.Me link. After you have the link, either paste it into your web browser or click on it if it's already a hyperlink.

The link will take you to a payment page where you can log in to your PayPal account to complete the payment with your preferred payment method.

Compare PayPal with other ways to send money

Min. Transfer Amount Transfer Speed Online Transfer Fee Rate Amount Received Description CTA Details
GBP 0 1 - 2 days AUD 0.00 0.741 USD
7,414
New customers use code AZIMO50 to get GBP 5 off when you transfer GBP 50+. Valid till 31 October 2021. T&Cs apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.
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AUD 2,000 1 day AUD 0.00 0.744 USD
7,441
TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.
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AUD 1 Within an hour AUD 0.00 0.743 USD
7,435
New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.
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AUD 250 1 - 2 days AUD 0.00 0.744 USD
7,437
$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.
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AUD 2,000 1 day AUD 0.00 0.744 USD
7,435
Send guarantees to match any competitor’s exchange rate. T&Cs apply.
Send provides fee-free transfers via its 24/7 multi-currency payments platform with real-time quotes.
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AUD 1 Same day AUD 0.00 0.743 USD
7,429
XE has fast transfers with low fees and a range of foreign currency tools. Go to site Show details
AUD 1 Same day AUD 3.99 0.738 USD
7,374
Use promo code 3FREE to send your first 3 transfers with no fee. Conditions apply.
WorldRemit sends money to 110+ countries for bank-to-bank deposits, cash pick-ups or mobile top-ups.
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AUD 1 1 - 2 days AUD 45.00 0.744 USD
7,403
Wise uses the mid-market rate and transparent fees to help you send money in 50+ currencies. Go to site Show details
AUD 200 1 - 2 days AUD 50.00 0.745 USD
7,412
Exclusive: New customers sending over 500 AUD from Australia use code FINDER50 to get 50 AUD off. Pay zero fees on your first transaction. Valid till 31 December 2021. T&Cs apply.
Instarem offers simple transfers with a flat 0.5% transfer fee for most transfers.
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AUD 1 1 day AUD 52.00 0.743 USD
7,391
Pay no fees on your first two transfers, up to $3,000.
SingX offers the real exchange rate every time you make a transfer and can help you send money across the world.
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AUD 10 Within an hour AUD 2.99 0.738 USD
7,382
Special offers like free transfers and better exchange rates available for new customers.
Remitly has quick, affordable transfers around the world, with both express and economy options.
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AUD 5 1 - 2 days EUR 3.00 0.744 USD
7,435
Special offer: Zero fees on your first 10 transfers.
CurrencyFair has bank-beating exchange rates and fast transfer times on 15+ popular currencies.
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Compare up to 4 providers

Disclaimer: Exchange rates change often. Confirm the total cost with the provider before transferring money.

Bottom line

PayPal.Me is a convenient way to request money, so long as the person you are requesting money from already has a PayPal account or is willing to create one. These kinds of payments function exactly as other PayPal transactions do and prevent you from having to share any more personal information than the link.

Frequently asked questions

Can you change your PayPal.Me link?

No. Once you've created your PayPal.Me link it cannot be changed, and each PayPal account can only have one PayPal.Me link attached to it.

Are purchases made through PayPal.Me protected by PayPal's buyer and seller protection program?

PayPal.Me operates using the same standards as regular PayPal purchases, so if the purchase in question would be protected when bought through PayPal then it will be protected when bought through a PayPal.Me link.

Is PayPal.Me free to set up?

Yes, but you'll need a PayPal account to use this feature.

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International Money Transfer Offers

Important Information*
Logo for Azimo International Money Transfers
Azimo International Money Transfers

New customers use code AZIMO50 to get GBP 5 off when you transfer GBP 50+. Valid till 31 October 2021. T&Cs apply.
Azimo sends money directly to a bank account or over 280,000 cash pick-up points. It also has fast transfers to 50+ countries.

Logo for TorFX International Money Transfers
TorFX International Money Transfers

TorFX guarantees to match any competitor's exchange rate. Conditions apply.
TorFX sends money overseas in 30+ currencies, with competitive rates for transfer amounts over $2,000.

Logo for MasterRemit International Money Transfers
MasterRemit International Money Transfers

New customers get their first transaction for free with code FIRSTFREE. T&Cs apply.
Send money in minutes at competitive exchange rates with this Australian money transfer service.

Logo for OFX (Ozforex) International Money Transfers
OFX (Ozforex) International Money Transfers

$0 transfer fees for Finder customers.
OFX has no maximum limit transfers, with competitive exchange rates for 45+ currencies.

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