PayPal Philippines FAQ

Here are frequently asked questions related to PayPal Philippines and PayPal accounts in general.

Can I receive and send funds with my PayPal Philippines account? Your PayPal Philippines account is a limited, send-only PayPal account. You absolutely have NO ABILITY at the moment to receive any funds and you can send funds only after you have attached a valid credit card to your PayPal account. You can’t also fund your account. When making an online purchase using PayPal, PayPal will automatically charge your credit card with the transaction amount.

More explanation and discussion of these limited functions can be found in the Finally, PayPal Philippines is here! thread in the PMT Forum and the When purchasing online, which is better: send-only PayPal Philippines account or credit card? article.

Why does my PayPal account have only send capabilities? PayPal’s explanation: Due to the complexities of global finance, members in certain countries and regions need to meet criteria to fully utilize our system, but this is not a reflection on the customer. PayPal is constantly working to expand and improve services for our customers. We hope to expand our features for these countries and regions, but we cannot give a timetable for this expansion.

To expedite the offering of full PayPal services, the Philippines has a critical job of convincing PayPal that appropriate banking regulations and legislation related to money laundering, online fraud, and identity theft are in place and strictly implemented. Everyone is therefore compelled to act. PayPal Philippines customers, banks, legislators, and regulatory agencies, among others, must do their share to show PayPal that the country adheres to the accepted rules of global finance.

What does it mean to be Verified if I live outside the U.S.? Verified PayPal members living outside of the U.S. complete the Expanded Use process by:

  1. Confirming their email address
  2. Adding a credit card
  3. Entering the Expanded Use Number

How do I become Verified if I have a non-U.S. account? To become Verified with a non-U.S. account, you must add a credit card and complete the Expanded Use process. Here’s how:

  1. Click the My Account tab.
  2. Click the Profile subtab.
  3. Click the Credit Cards link in the Financial Information column.
  4. Click Add.
  5. Fill out the Add Credit Card form.
  6. Click Add Credit Card.
  7. You have successfully added your credit card to your PayPal account.

To lift your $100 Sending Limit, you need to verify your PayPal Philippines account and enroll it in the Expanded Use Program. Your credit card will be charged $1.95 upon enrolment. This however is credited back to your account and is ready for use in your next transaction.

How do I enroll in the Expanded Use Program? Upon adding your credit or debit card to your account, you may be required to complete the Expanded Use enrollment in which PayPal charges your card a small fee ($1.95). The fee appears on your bank account statement accompanied by a unique, randomly generated four-digit Expanded Use number.

How do I complete my enrollment in the Expanded Use Program? To complete your enrollment in the Expanded Use program, follow these steps:

  1. Locate your randomly generated four-digit Expanded Use number, either on your next paper or online credit card statement. The Expanded Use number is located right before the word PayPal in the description of the Expanded Use fee charged to that credit card.
  2. Log in to your PayPal account and click the Complete Expanded Use Enrollment link on the Account Overview page to complete your enrollment.

It usually takes 2-3 business days for the PayPal Expanded Use Number to appear, depending on the issuing bank. If you do not have online access to your statement, wait until you receive your physical statement to check your four-digit PayPal Expanded Use Number. The four-digit Expanded Use number appears on your credit or debit card bank statement next to the Expanded Use fee. You can find it before the word “PayPal” in the transaction description. It is not the last four digits of your credit card nor the telephone number that may appear at the end of the transaction description.

How do I send money? You can send money with PayPal by following these steps:

  1. Log in to your PayPal account.
  2. Click the Send Money tab.
  3. Fill out the form.
  4. Click Continue.
  5. Review the details of the payment, including the Source of Funds. To choose another funding source for the payment, click the More Funding Options link and select your preferred funding source. To change any information, click Edit.
  6. Click Send Money to send the payment. Note: If you edit your payment details, the funding source will return to the default method of payment.

Are there any fees associated with sending money? There are no fees to send money.

Have some more questions or clarifications? Join the discussion in the PayPal Philippines thread in the PMT Forum.

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40 thoughts on “PayPal Philippines FAQ”

  1. I know BPI’s Express Teller is a debit card that you can use locally through the EPS system but I’m not sure if it’s accepted worldwide. I checked the card and was looking for a Visa Electron or Visa Debit card logo but didn’t find it so I myself wonder if it can be used as a debit card internationally. If someone has tried using BPI’s card to verify their PayPal account, let us know.

  2. if i send money via PAYPAL will it show on my bank statement to whom the money was sent to? or would it show the money has been sent to paypal?

  3. According to PayPal’s FAQ, credit card-funded transactions will appear in credit card statements as PAYPAL plus the abbreviated Credit Card Statement Name of the merchant/seller (max 12 characters).

  4. You can certainly use a debit card to pay for the Expanded Use Program. A lot of eBay sellers have reported that they can also use their UnionBank EON Visa Electron card to purchase online with PayPal, don’t know yet though whether you can use other Visa Electron cards from other banks.

  5. I tried registering my BPI Mastercard Express Cash (Debit Card) but it couldn’t be registered. Looking at the fine print at the side of the card, I saw a “valid only in the Philippines” sign. I’m starting to not like BPI. *snarl*

    I think Equitable bank’s MTV Visa Debit Card would be accepted though since according to their website, Their debit card is accepted worldwide. I’m thinking of applying for one. Have anyone tried registering Equitable’s Visa card on PayPal?

  6. hi!
    im going to try using paypal, as ive read there’s no charge right? im confused because others say it has $.30 plus 2.9% fee — is this only applicable for US?

    btw im sending money to US in USD, would der be an additional fee for the conversion? my card is equitable american express card…

    pls send ur replies ^^
    email me @

  7. Hi, PayPal’s fees are dependent on which account type you own and in which country your account is based. Better to visit the PayPal Fees page.

    You can check out PayPal’s FAQ page if you have more clarifications. You can also email or call them if the answers you’re looking for are not in the FAQ.

  8. Hi,

    I’m the author of a step by step guide “How to Withdraw Money From PayPal in Malaysia” and “How to Open a US Bank Account in Malaysia”

    We in Malaysia faces the same problem as you, hence this FREE ebook was born. I wrote it to help others as others have helped me. This is my way of saying thanks to my supporters/subscribers.

    All you need to do is to just follow the instructions on my ebook and make some slight changes to suit you. If you have any questions, please ask by commentng on my page.

    Good Luck and to your success

    Matt Ng
    Internet Marketer

  9. Hi Matt. Actually I’ve seen your site before and have bookmarked it too. I definitely am planning to create our own version of your helpful PayPal ebook. So consider this as a request for permission to use that as a resource.

  10. Hi pinoymoneytalk,

    Thanks for visiting my page. 🙂 As for using my PayPal Book. You can download, read it, redistribute it or sell it with my permission.

    But you can’t modify, change, copy, edit any part of the ebook. Why don’t we work together on the new ebook for philippine paypal users? Let me know the best debit card in your country to use for verifying PayPal and I’ll write it.

    I’m already planing to come out with an international ebook on withdrawing funds from PayPal for countries that are not in PayPal approval list. Still gathering information. So far I’m getting it from israel,indonesia and hopefully info from you.

    Once again, thanks for visiting my page.


  11. If yours is a PayPal Philippines account, you need not be bothered about how to withdraw funds because in the first place, you can’t use the account to receive money. For other PayPal accounts, if you don’t have a US bank account, you can try Xoom to send funds to virtually anywhere in the world, including bank accounts in the Philippines.

  12. Any other options that you know aside from Xoom? Man, they charge a lot! 🙁

    Good thing, ours is linked to our bank account in a Paypal-accepted country. But for Pinoys, kawawa naman tayo sa charges.


  13. Guys,

    You can now withdraw PayPal funds to your credit/debit card in your country. No more finding ways to do it now as they have allowed most countries like Malaysia, Philippines, Indonesia, Hong Kong and more.

    To your Online Success

    Matt Ng

    P.S. Ian Del Carmen. Hope to see you soon if you are going for AIC this November.

  14. Hey,

    I just want to know how to get a Paypal debit/atm card? Is it available in the Philippines? As far as I know you must be have a paypal credit,debit card to withdraw paypal funds. Does anyone know an alternative way to withdraw paypal funds?

    pls give me a email.

    thanks Guys.

  15. James, Thanks for that info. I just want to know more. Where can I find USD5 deduction for every transaction? It will be appear on my credit card statement or not?

  16. Ok, I just wonder. Why paypal needs our credit card number and they ask my billing address to verify my paypal accounts? I’m sorry but seriously I am not yet verified my paypal accounts. I just want to know more different concerns about paypal here in the Philippines.


  17. Remnzi, Paypal asks those questions for verification purposes. PayPal strictly adheres to Anti-Money Laundering laws of various countries, that’s why they want to have a trail of all money transactions that go through PayPal and also the info about the people making the transaction.

  18. guys, tanung lang po nag withdraw po ako ng funds to my bank account, lumabas po status completed, but after 2days i notice na may mali pala ako sa single digit sa bank account ko. omg, panu po kaya gagawin ko? hindi kaya pumasok sa ibang account ung pera ko. ahhuhuhu, ganu po kaya katagal mag returned fund kung failed po ang withdrawal.

  19. hi there,

    may i ask what kind of debit/credit card should i have before i can send money thru paypal? i want to buy something from ebay but he’s only accepting payments thru paypal, and i only have a BPI express cash card. pls mail me thanks a lot 🙂

  20. can i ask? i dont have any credit card nor bank account. how can i put funds on my paypal?
    im frm philipines. pls help
    i want to donate something in an online game

  21. @benj, you may also get Paypal funds by buying from people who are selling their Paypal balance. Drop by our Buying or Selling Paypal thread and look for sellers. Be wary, though, because you might deal with crooks who might scam you.

    @mushy, most credit cards can be used with Paypal. Just try to add them to your account and you will see whether you can use it or not.

    @erwin, the funds will be refunded in less than a week. Don’t worry, kahit mali yung bank info mo, nde naman yun madedeposit nang basta-basta sa ibang account kasi iko-confirm pa ng Paypal kung same account name yung Paypal account mo at yung bank account mo.

  22. hello. pwede po ba tong BPI Expressteller international ko na ilink sa paypal account ko?

    may possibility pa po ba na mawithdraw ko ung pera ko sa Paypal kahit wala akong naconfirm na debit or credit card?? ung bank card lang??

    plz help me..thanx

  23. Hi,

    Magandang araw sa lahat!

    I just opened a Philippine paypal account using my BPI credit card.

    Upon registration, i was automatically charged, 43.18php
    BPI confirmed that the charged was made by paypal.

    i was reading this statement posted here:


    [quote]To lift your $100 Sending Limit, you need to verify your PayPal Philippines account and enroll it in the Expanded Use Program. Your credit card will be charged $1.95 upon enrollment. This however is credited back to your account and is ready for use in your next transaction.[/quote]

    Did anyone experience this before and did you received the refund?

    [b]aside from the 43.18php that paypal charged.[/b]

    I was again charged 100php to get verified, below is the message form paypal.

    [quote]We made a P100.00 PHP or equivalent charge to your card on Apr 23, 2011.[/quote]

    What is the difference between the two charges? and will they be credited back to my account?

  24. hi 
    pls help, im trying to call paypal costumer service but its says that the number you dial is incompletely on dial pls check the nunmber and dial again but what im calling is the 1 in there page.
    i send some mail but no response. i dont know how to talk with them. i need to withdraw my funds but they put me in limits  

  25. Howdy!Others have voiced my confusion above, but it’s awesome sometimes to add towards the melee. I have been signed up since the middle of January, but have three letters. They’re excellent letters! But similarly, I’d like to know if this is just the process of your dust settling or if this is to be expected?Thanks!


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