‘Can you use PayPal without a card?’: Yes, you can — here are 6 things you can do on PayPal without a linked debit or credit card

You can use certain PayPal features without having to link a credit or debit card to your account.

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You can use certain PayPal features without having to link a credit or debit card to your account.
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Shutterstock

  • You can use PayPal without a credit or debit card on file, though you’re somewhat limited in what you can do on the platform.
  • Even without a card, there’s still plenty the e-commerce website can offer, so we listed six things you can accomplish on PayPal without having a card on file.
  • Visit Business Insider’s homepage for more stories.

Although you’re limited in what you can do on PayPal without a bank or credit card on file, there’s still plenty the e-commerce website has to offer.

There may come a time when you do want to link a card, and it’s not a hard process.


How to use PayPal without a card

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Avishek Das/Getty Images

In the meantime, here are six things you can do on PayPal – no card necessary.


Request and receive money from others

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Asked and answered. A request for $5.00 is completed, and not a card was kept on file.
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Emma Witman/Business Insider

One of the easiest – and only – ways to get a balance accumulating in lieu of having a card on file, is requesting and receiving money from other PayPal users, though this will require a linked bank account.


Send money to others

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Click the “Send” button to send money using your PayPal balance.
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Emma Witman/Business Insider

Similarly, you can send any amount not exceeding your PayPal balance to others as well.


Create an invoice

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You simply fill in the information, and then PayPal will generate the invoice and email it directly. Here’s a preview before I click send.
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Emma Witman/Business Insider

Anyone who has ever had to create an invoice from scratch knows what a monumental pain it is to do.

This is one service PayPal can take care of for you, regardless of whether or not you’ve given them your card information.


Create a Money Pool

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For organizing quick and easy fundraising, money pool is a highly useful tool you can access without a card on file.
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Emma Witman/Business Insider

You only need a PayPal Personal account to partake in the Money Pool feature. You can even transfer the money you receive to yourself personally with a check – more on that later.


Donate your PayPal balance to charity

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The final step before transferring a PayPal balance to charity. Without a card on file, you’re limited to donating an amount that won’t exceed your balance.
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Emma Witman/Business Insider

But perhaps you wanted to use the Money Pool feature to raise funds for your favorite charity.

Fortunately, you won’t need a card on file to transfer that balance to the PayPal Giving Fund, a 501(c)(3) public charity.

PayPal will then deliver 100% of your donation to a charity of your choice – although the platform notes that in rare cases the donation will go to a similar charity instead.


Have your PayPal balance sent to you as a check (with a $1.50 fee)

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A $1.50 fee is probably not worth it for a $5.00 check. Still, it’s nice to know it’s an option.
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Emma Witman/Business Insider

If you’re hesitant to keep any card or bank information online, but have a PayPal balance you want to spend somewhere other than the platform, you can have the balance mailed to you as a check, although a $1.50 fee will apply.

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