PayPal — change history

2026-05-08 Terms of Service shift +1 9874279

PayPal clarified automatic payments can pull remaining amounts from backup methods, added currency-conversion use of other balances, and updated refund conversion wording.

added: backup funding for partial automatic payments added: currency conversion from other currency balances when needed clarified: preferred payment method can be managed in account settings changed: refund/reversal currency conversion references a dedicated section

2026-04-23 Privacy Policy shift +2 6b8dc6e

PayPal greatly expands its privacy policy to allow broader data collection, AI/automated decision-making, personalized shopping disclosures, and sharing with partners, merchants, affiliates, and service providers.

added: AI model training and automated decision-making for fraud, risk, and creditworthiness added: personalized shopping data sharing with partners and merchants, with opt-out in some cases expanded: categories of personal data collected, including biometrics, precise geolocation, inferred data, and contacts expanded: disclosures to affiliates, service providers, advertising platforms, payment networks, and merchants added: retention details, including up to 10 years after relationship ends and biometric retention limits

2026-04-23 Terms of Service shift +1 6b8dc6e

PayPal replaced a minimal terms page with a comprehensive user agreement adding detailed rules on balances, payment authorizations, fees, holds, taxes, and arbitration notice timelines.

added: full U.S. PayPal user agreement covering account use and transactions added: broad authorization to charge linked and backup payment methods, including re-presentment added: detailed balance, transfer, FDIC, and withdrawal/check fee rules added: tax reporting, withholding, and account hold/limitation provisions clarified: notice periods for policy changes and arbitration disclosure