With a vast international reach and top class security technology, PayPal offers quick and easy online transfers.

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PayPal is an American company and one of the most popular online payment methods in the world. Millions of international merchants and sellers accept PayPal, which means that all consumers need to do is choose PayPal as their checkout option, and they can complete quick and secure transactions. PayPal is currently used by 255 million people in over 200 countries.


PayPal was established in 1998 and launched its IPO in 2002. That same year, it became a subsidiary of eBay. It split from eBay in 2015 but still continues to serve the site’s buyers and sellers. In 2019, PayPal was ranked 204 on the list of Fortune 500 largest U.S. corporations in terms of revenue.

How it Works

Simplicity is at the core of PayPal’s service, which is why it has been a globally popular payment method for over 20 years. There are two types of PayPal accounts: Personal and Business. 

Personal accounts allow users to shop online, send payments, request payments, and buy and sell on Ebay. Signing up is easy — just enter a few details, add your credit card, and you’re set to use PayPal instead of entering financial information. Personal users can buy things without incurring any fees from PayPal, unless currency conversion is involved. (Sending euros within the EU is also free.) Sellers, however, are charged fees for domestic transactions, international sales, and multiple currency transactions.

Withdrawing from a personal account is easy and free up to a certain amount. Funds can usually be withdrawn to bank accounts or credit cards.

Business accounts offer two main solutions: Allowing businesses to accept PayPal on their websites and allowing business owners to send customised Detailed Payment Requests via email. Opening a PayPal business account is free, and companies only pay a fee for selling goods and services after they get paid. Business accounts come with specialised customer support and allow businesses to accept payments in more than 20 currencies and from more than 202 countries. Payments made to companies via PayPal reach business accounts in just minutes.


Irish PayPal users can download apps for both Android and iOS so they can easily use PayPal when on the go.


PayPal uses the most up-to-date encryption technology to keep user information safe. Transactions are monitored 24/7 to reduce the risk of fraud, phishing attacks, and identity theft. 

Additional security measures include Buyer Protection and Seller Protection. 

Buyer Protection provides coverage for eligible items purchased online that don’t arrive or that don’t match the seller’s description. PayPal offers reimbursement for these items and even covers the cost of postage. Terms and conditions apply, so it’s up to users to check that Buyer Protection will be applied to each purchase.

Seller Protection provides coverage for sellers if a buyer claims he never got what he ordered or if the seller receives an unauthorized payment. PayPal can help vendors get the full amount for a claim if they meet all the eligibility requirements. For example, documentation of delivered goods and services must be provided, which is typically proof of postage or proof of delivery. 

Like Buyer Protection, there are exceptions to Seller Protection, so sellers should make sure to read the fine print and always save documentation from transactions. 

Customer Support

PayPal offers customer support via phone, in-site messaging, and email. There is also a massive Help Center that includes a Community Forum, Resolution Center where users can track their disputes, a Tax Center that includes tax forms and other resources, and FAQ pages.

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