How To Pay Someone On Paypal Without An Account?

One of the most widely used ways to do various transactions online is through PayPal. The vast majority of shoppers who prefer online stores are familiar with payment gateways. It helps to pay for their services with or without an account and allows one to send money to friends and family.

But the costs associated with various PayPal services vary. Learn how to send money to someone using PayPal without an account. Before deciding if PayPal is the best way to pay for services, it is mandated to get a review of its fee structure.

PayPal International Transfer FeesCost
Paying by balance or linked bank accountMin.- $0.99, and the max.-$4.99, which is around 5%
Paying by credit or debit cardMin.- $0.99, and the max.-$4.99, which is around 5%
Currency conversion feeDepending on the situation, you’ll be charged a fee of 3% to 4%. Usually, the fees are subtracted from the transfer amount as it is processed.
Payments for goods or servicesThese international charges may now be even higher or higher.

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How to Send Money Through PayPal Without an Account?

People can also use PayPal payments without creating an account, such as:

As suggested, the PayPal account is quick and simple, but there is a chance that it will become a blockage if a user needs to make a quick or urgent payment while using PayPal without creating an account.

Below are some of the steps that help if you want to send money without having a PayPal account but anticipate using the service to make payments: 

1. Click on the “Pay Now” button

  • To request payment via email, registered PayPal users and merchant accounts can create and send PayPal invoices without a PayPal account.
  •  Use the free online invoice generator tool provided by Statrys if you would like to create your own invoice.
  • When a person does not have an account on PayPal but wants to do a transaction, the aforementioned email or decides to use it to pay for an online purchase, they can proceed as a PayPal guest payment.

2. Entering your card details

  • It is not important to have a PayPal account, an user can also proceed through credit or debit cards. 
  • Credit and debit cards are among the most expensive payment methods with PayPal.  

3. Confirmation

  • Before making the payment, kindly verify that all the entered information is accurate.
  • Within ten minutes of making the payment, one can receive a confirmation mail regarding the completion of the payment.

How To Send Money Through PayPal Using Your Account

Learn how to pay someone from PayPal if already have an account, then follow the steps mentioned below:  

  • Make sure to create an account in PayPal before proceeding with transactions. 
  • After selecting the “Send & Request” tab from the navigation bar, you must enter the recipient’s email address.
  • Money can have directly been sending if a receiver will have a PayPal account.
  • Don’t forget to credit the amount into a PayPal wallet if the recipient does not already have one; otherwise, they will need to open a PayPal account in order to receive the funds.

1. Begin the payment process

If you received an invoice or money request via email, there is only a need to click the “Pay Now” option after the site redirects to PayPal and log in. 

  • Log into PayPal if you only want to instruct a payment (without making any requests).
  • You can access the payments page by selecting the “Send and Request” button that is situated close to the dashboard’s top.

2. Select your recipient

  • You should now be allowed to enter an email address or pick from the contacts list below the email section.
  • If an account has never been created, the receiptor is also likely to request it.

3. Sending to a Friend or Paying for Goods?

Choosing your recipient should cause two options to appear. “Paying for an Item or Service” and “Sending to a Friend.”

3.1 Sending it to a Friend

  • Sending money to friends and family in the US (within the nation) is cost-free whether you send it from your wallet or a direct account. 
  • The additional fee structure (taxes) for international payments is $4.99, which will be around 5% of the transfer amount.

3.2 Paying for Goods and Services

  • Users have a second choice for those who want to make online purchases, which has a significant benefit: buyer protection, also known as PayPal’s “protection policy.”
  • While making the payment, it is not important that a complete verification will be conducted; only you need account details. 

4. Choose a source of funds

  • Choose a source of funds, making the amount of money being sent and the currency being used for the transaction accurate.
  • PayPal accepts multiple sources of payment, like; credit cards, debit cards, linked bank accounts, PayPal balance, and other more.

Here, we are trying to explain each payment option so you can choose which is best for making payments through PayPal with or without an account.

4.1 Credit or Debit card

The drawback of using credit and debit cards is the fee structure is expensive as compared to creating an account.

  • If a user pays within the same nation, then the charges will be approx. of 2.9% + $0.30.
  • Due to the variable additional fixed fees, it seems to be more expensive when sent money internationally.
  • The advantage of using a credit or debit card is that it does not require having a PayPal account. 

4.2 A bank account linked to PayPal

When a user tries to pay within the same nation, it is not as important to first add the money into the wallet. One can proceed directly without incurring any extra charges. 

5. Confirmation

  • Once you’ve added your funding source, don’t forget to check the bank account details to eliminate the wrong transaction chaos. 
  • Click the button to confirm the payment, and you’ll receive an emailed receipt showing the payment has been processed.


PayPal can be a convenient source for some transaction types, but knowledge of the taxes or fees is mandatory to consider.

PayPal accepts multiple payment sources, like; credit cards, debit cards, linked bank accounts, and balances. Make sure to know w.r.t. Each payment method regarding fees, structure and taxes. 


Can you use PayPal as a guest to make a payment?

Yes, the following are the steps to pay a guest using PayPal.
– Select “Pay Now” from the menu.
– The details of your credit card
– Confirmation.

A bank account can be linked to PayPal, but is that safe?

Yes, it is secure. Users should nevertheless keep an eye on their account balances and transactions.

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