How to Shop on Online with Your PayPal Credit 2022

This article talks about How to Shop on Online with Your PayPal Credit

This article talks about How to Shop online with your PayPal credit. PayPal is closely associated with e-commerce and online banking since it is one of the finest ways to make safe Internet payments.

While Visa, MasterCard, and American Express are the brands that come to mind when we think of credit cards, it turns out that PayPal is also in the credit industry.

There is a catch: unlike Visa and standard credit cards, PayPal Credit cannot be used in physical stores, and you will not receive a physical piece of plastic.

PayPal Credit is entirely online. It differs from other credit cards with PayPal in the name, such as the PayPal Cashback Mastercard, in that it can only be used online.

However, there are numerous benefits to using PayPal Credit, especially if you are a frequent online shopper and already use PayPal. Here’s what you should know.

How to Shop on Online with Your PayPal Credit

PayPal Credit offers an especially quick process because you don’t even have to wait for a physical card to arrive in the mail. You will only need to fill out an online application and you will be approved instantly based on your credit history.

You’ll need a PayPal account to acquire the card, which will also immediately link to your PayPal Credit and appear as a payment option whenever you use PayPal to check out.

You can only use PayPal Credit if PayPal is an option for payment.

The disadvantage of immediately linking PayPal and PayPal Credit is that PayPal must be an option in order to use PayPal Credit.

Fortunately, this is becoming more prevalent. PayPal Credit can be used at any online store that accepts PayPal, including major shops such as Walmart, Target, Macy’s, and others, with the noteworthy exception of Amazon.

When you don’t have enough money in your PayPal Wallet, PayPal Credit can make up the difference.

If you don’t have enough money in your PayPal balance, you can pay over time with PayPal Credit.

PayPal Credit is a revolving credit line that is integrated into your PayPal account.

So, if you need to make a larger purchase right now but your PayPal account balance is too low, your PayPal Credit line can cover the difference — and you can even pay it off over time.

You can carry debt on those large ticket purchases without incurring interest charges, but you’ll want to avoid paying interest.

PayPal credit, like other credit cards, carries a high-interest rate.

You can obtain an item interest-free if you pay off purchases of $99 or more within six months – as long as you make minimum payments.

One thing that PayPal Credit and its credit card competitors have in common is a sky-high interest rate of 25.99%.

There is no financial penalty to receiving PayPal Credit as long as you pay the balance or significant purchases within six months, and there is no yearly charge.

Buy Gift Cards With PayPal Credit & Shop Easily In-Store and Online

As an example, consider Amazon. You cannot directly shop on Amazon with your PayPal balance, but you may use PayPal to purchase Amazon gift cards. The same strategy can be applied to any number of stores where PayPal is not a payment option.

Remember! Stores (both real and online) always accept VISA, MasterCard, and/or store credit/gift cards as payment.

Here are a few terrific ways to purchase egift cards with your PayPal account or PayPal credit.

How to Shop on Online with Your PayPal Credit


eBay is a one-stop shop for nearly anything, including Amazon e-gift cards. Because the majority of the cards are up for auction, you may have to bid and wait. This entails planning ahead of time before making a purchase. Even said, eBay is usually an excellent choice, especially if you can find a decent deal!

PayPal money can be used to purchase Apple Store or Amazon gift cards on eBay.


For those of you who have been living under a rock, Newegg is the Amazon of computer parts. E-gift cards are also available at Newegg. They provide a variety of gift card alternatives, including the Windows Store, Xbox Live, PlayStation Store, and yes, even Amazon and eBay cards. You will also receive automatic email delivery on said gift cards, so there is no waiting period.

You can pay for them with a Newegg Store Credit Card, a Visa, MasterCard, an American Express, a Discover Card, PayPal, a Gift Card, a Visa Checkout, a MasterPass, or… *drumroll please* Bitcoin!


Dundle is a website that sells various gift cards. They support Xbox, iTunes, Steam, Skype, PSN, Nintendo, and Amazon, in addition to the Perx Virtual MasterCard. It is one of the few businesses that allow you to buy Amazon Gift Cards for any store, regardless of currency.

They offer Amazon gift cards in various values as well as country-specific stores in France, Italy, the United Kingdom, Germany, the United States, and Mexico.

The cards are available in amounts ranging from $5 to $100, depending on the provider’s typical denominations.

You can pay using a variety of methods, including PayPal, Bitcoin, iDeal, Skrill, Sofort, bank account transfer, and so on. Dundle charges a service fee based on the gift card selected, as well as a transaction fee based on the value of your cart and the payment method you select.

When you make a payment, you will immediately receive an email with a code to use.

What we like best about Dundle is that they are open and honest about their charges and fees.


Walmart allows PayPal credit as a form of payment. You can pay for it with PayPal money, whether you use it to buy things or e-gift cards. They sell a range of e-gift cards that are delivered automatically. Walmart offers popular gift cards for online retailers such as iTunes and the Windows Store.

Major credit cards (including non-US credit cards), debit cards, Walmart’s MoneyCard, AMEX, and PayPal are accepted in Walmart’s online store.


CashStar is another excellent gift card marketplace that provides both physical and electronic gift cards. They are the list’s hidden gem because their homepage focuses on business solutions rather than gift card purchases by end customers.

Gift cards for most US (and some Canadian) stores are available. Simply go here, select the store you want to buy a gift card for/from, and begin the procedure.

CashStar offers VISA, MasterCard, American Express, Discover, Diners Club, and PayPal as payment methods. To discover the acceptable payment method, consult the FAQ for each shop card. Best Buy, for example, does not accept international cards but does accept PayPal.

Uber does not accept PayPal or Diners, however, there does not appear to be a restriction on card issuing nations.

They do not currently accept Amazon, Apple, or Microsoft store cards.


Another wonderful alternative to spending with your PayPal credit is getting a gift card from eGifter! They claim to carry over 200 different brands in their inventory. You can also use your PayPal balance to purchase virtual Visa gift cards. They also accept group contributions for a card, and their apps are excellent.

The app, which is available on iOS and Google Play, allows you to accomplish anything that their website can do, and they also recommend that you utilize their service through the app.

You may purchase gift cards using credit cards, PayPal, American Express, Amazon Pay, Skrill, Dash, or Bitcoin!

PayPal is presently only available to confirmed US PayPal accounts.


This is not a cheap solution, but it gets the job done. 2uGifts accepts PayPal credit to purchase iTunes, gift cards, Hulu, Netflix, Sling, and Spotify gift cards.

These cards are not cheap, but they are a safe way to purchase items from your Amazon account using funds from your PayPal wallet.

How to Shop on Online with Your PayPal Credit: Other Suggestions

There are also several favourite gift card websites. Here are a few of the most well-known.

Google Wallet

How to Shop on Online with Your PayPal Credit

Many merchants have begun to accept Google Pay as a payment method. Google Pay, fortunately, offers PayPal as a payment method. If you’re in a pinch, check for the Google Pay option and use it to pay. Just make certain that Google Pay is compatible with PayPal.

PayPal Digital Gifts

PayPal sells digital gift cards, so if you didn’t know, you should check out this page. Simply select a gift card, such as one for Home Depot. Only enter the amount you wish to buy (must be between $25 and $100) and select one of two options: ‘Gift’ or ‘Buy for me,’ then pay with PayPal.

PayPal Cash Card

If none of these options meets your requirements, you might always join up for PayPal Prepaid. This is a prepaid MasterCard that exclusively accepts PayPal funds. That’s all there is to it, and it’s accepted anyplace MasterCard is… which is almost everything. Prepaid cards are inconvenient, but they are far superior to being denied service!

States Card

The States Card is an excellent method of payment. States Card registration takes 5 minutes and requires no verification. They may request verification, which is basic and simple. They provide you with a tax-free address in Delaware to use with the card.

The monthly maximum for SEPA, PayPal, and credit card loading methods is $100. Also included is $500 for bank transfer.

You can seek a limit adjustment by contacting support, and I’m assuming the restrictions indicated above are for individuals who do not have ID verification. After $500, ID verification is usually necessary.

To load a States card, select the amount from the dropdown and your payment method; fees are listed separately so you know exactly how much you are being charged. There is a $14.95 activation cost and a $3.95 monthly fee at the time of enrollment.

Unfortunately, even if your account has no balance, you will continue to be charged the monthly fee. To avoid this, contact support and request manual deactivation.

PayPal, credit card, and bank transfer methods such as EPS, Giropay, iDEAL, Sofort, and others are available for loading.

States Card is ideal for subscriptions that are only available in the United States, such as HBOMax, Disney+, Paramount+, Xbox GamePass, and so on.

This is how you use PayPal credit on Amazon and elsewhere on the Internet. Remember that if an online store states that they do not accept a particular type of payment, there is always a way around it.

If they say you have to be in the United States to visit a particular website, acquire yourself a dependable VPN connection. If they require a US phone number, please obtain one, and if they demand a US address, you may obtain one.

Stephanie Heitman

Stephanie is the managing editor of the LOCALiQ blog. She Travels a lot and also shares her travel photos on this site. Also, she regularly publishes content about holiday destinations where she'd like to go, but where we haven’t been yet., she enjoys watching reality TV with her husband and their two pups

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