The content of this article is provided for informational purposes only. You should always obtain independent business, tax, financial, and legal advice before making any business decision.
The pace of business doesn’t slow down, and neither should your access to the funds you’ve earned. Whether managing inventory, paying vendors, or covering daily expenses, real-time access to your business funds makes all the difference.
Introducing the PayPal Business Debit Card – a powerful extension of your PayPal business account1 that gives you instant access to sales revenue without wait times or extra steps.
The PayPal Business Debit Card is an extension of your PayPal business account, enabling you to spend your available balance immediately-online or in-store-without first transferring funds to a bank.
Unlike traditional debit cards, this card doesn’t draw from a checking account. Instead, it taps directly into the funds from your sales, cashback rewards, business loans and other PayPal activities in your PayPal account. There’s no separate account to manage, no waiting for transfers, and minimal waiting time between making a sale and accessing your earnings.
By enabling you to spend your available PayPal balance immediately (with either the physical card or virtually), the PayPal Business Debit Card transforms your earnings into convenient, flexible purchasing power.
Need to replenish your inventory, cover a supplier invoice, grab coffee before a client meeting? If the funds are in your PayPal balance, they’re available immediately —no intermediary steps required.
Add your card to your mobile wallet for contactless payments anywhere Mastercard is accepted. Plus, with access to thousands of ATMs2, you can also withdraw cash directly from your PayPal balance.
The PayPal Business Debit Card pairs seamlessly with PayPal Working Capital.3 Once the Working Capital funds are deposited into your PayPal account, they’re immediately ready to spend via the PayPal Business Debit Card, making it even easier to put new capital to use.
The less time you spend moving money around, the more time you’ll have to move your business forward.
Learn how PayPal Working Capital helped a family business grow.
Eligible PayPal Business Debit Mastercard purchases earn cash back with every qualified transaction4, putting money back into your business.
Plus, access more than 50,000 merchant rebate programs through Mastercard Easy SavingsTM – creating additional opportunities to save on travel, fuel, dining and other business expenses without manual activation.4 Rebates are added to your PayPal balance automatically as qualifying transactions are settled.
Access funds easily with your PayPal Business Debit Card for business purchases whenever you need them. By using the auto-reload feature, you can simplify the process of transferring money, potentially saving you time to focus on growing your business instead.
The PayPal Business Debit Card’s convenient security features help you keep your account safe:
The PayPal Business Debit Card allows you to request up to three additional cards (four in total) for employees or business partners, with all spending linked to your PayPal account.
This makes it easier to delegate purchasing while keeping full visibility over where your funds are going and who’s moving them.
You can also set up automatic or subscription payments for key services, reducing the risk of missing payment dates or renewal deadlines.
In business, timing is everything. The faster you can turn sales into action, the more agile and competitive your company becomes. The PayPal Business Debit Mastercard makes that possible by transforming your available PayPal balance into immediate spending power—no transfers, no delays, and no need for a separate bank account.
Sign up in minutes and start using your PayPal funds the moment they're available.
Already have a PayPal Business Debit Card? Add it to your digital wallet and start taking advantage of everything it has to offer.
Get started with the PayPal Business Debit Mastercard today.
In partnership with three expert business owners, the PayPal Bootcamp includes practical checklists and a short video loaded with tips to help take your business to the next level.
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