Usage of PayPal in India

By | February 18, 2021

The wallet business is at its peak in India. In the last few years, there are many brands enter in the market with their e-wallet services. PayPal is one among them. But many people still don’t know where PayPal is been accepted in India.

It is launched a few years back in India, it is used only for doing foreign transactions. Which means you can not use it for transactions with a local merchant.

But now PayPal is accepted by various merchants in India as well, which is a sort of good news for every PayPal user. Now many of you don’t have to keep different types of wallets for different use. But yes it is still not accepted by all the merchants in India, which is a drawback.

You might have been thinking, why are we discussing PayPal? The reason behind doing so is that PayPal is a globally accepted form of mode of transaction. And from the security point of view, it has good reports and reviews from its users.

PayPal helps you make a transaction with a foreign merchant with ease. Because of this, you are not required to put your card details on every second merchant’s website, if you’re shopping online.


How does it benefit users?

  • You are not required to reveal your card details to any dealer.
  • No one has to remember any of the card details.
  • PayPal helps you to make seamless transactions in India as well as abroad.
  • PayPal also helps you in making international transactions
  • 10X points is a bonus for PayPal for accrual for Diners Club Cards if you decide to do foreign transactions with it. There always exist situations where PayPal is not actively accepted.

For example, if the merchant accepts PayPal, you can also use Diners Card. This will result in wide savings via the 10X program. This transaction is not considered a wallet transaction.


Merchants Accepting PayPal in India

  • Book My Show
  • MMT
  • Yatra
  • PVR Cinemas
  • Dine Out
  • Agoda
  • eBay
  • KLook
  • Pepper Fry & more

How to start PayPal

  1. Sign Up & confirm your email
  2. Activate & verify your account
  3. Setup & start receiving your payment

Commercial Transaction Rate

Country/Territory of recipient’s addressRate
India (IN) – Standard Rate3.00% + 3 INR
Transactions undertaken through the following:
Debit card powered by RuPay, Unified
Payments Interface (UPI) (BHIM-UPI), Unified
Payments Interface Quick Response Code
(UPI QR Code) (BHIM-UPI QR Code)
(Prescribed Payment Modes)
2.50% + 3 INR
Where sender’s country/territory isRate
Outside of India (IN)4.40% + Fixed Fee


Where can I find my PayPal Vouchers?

On the web:
Log in with your PayPal account and click on the Payment Methods. Your PayPal cashback voucher will appear under ‘Saved Offers’. 

On the app:
Log in to the app. Your PayPal voucher will appear under ‘Offers’.

You’ll need to download the PayPal app, log in and check ‘Offers’ section in the bottom part of the app homepage to find your cashback voucher.

How do I report unauthorised PayPal account activity?

To report an unauthorised transaction:
Go to Resolution Centre.
Click Report a problem.
Find transaction & follow steps

To check or cancel your pre-approved billing agreements:
Go to Settings.
Click Payments.
Click Manage automatic payment.
Select the merchant’s name or email address.
Click Cancel.

What are the currency conversion fees?

To check the currency conversion rate:
Go to Wallet.
Below your ‘Balance’, click Currency calculator.
To convert a currency balance:
Go to Wallet.
Then to convert the currency, click the three vertical dots.
Select Convert currency from the options shown.

How do I upgrade an Individual account to a Business account

here is how to upgrade to a Business account:

  • Go to your Account Summary.
  • Now Upgrade to a Business account by clicking on the bottom left of the page.
    Follow the instructions to provide the required information.
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