Receive Money on PayPal Without Transfer Fees

How to Receive Money On PayPal Without Transfer Fees

Sending and receiving money online just gets easier with PayPal as the payment option.

PayPal is now one of the most used digital payment platforms both online and in most mortal and bricks stores.

Most sellers prefer to integrate it as the preferred payment option at the checkout page of their e-commerce websites because it has that ease-ability to use. While those who run their local businesses in-store prefer to go through the QR code methods.

This is why most stores in the USA use Paypal QR codes to accept payment from their customers.

However, even though sending money with Paypal is very easy and cheap as some people might say, there are some charges you can avoid yourself incurring when you send or receive money via the app.

In this article, I will walk you through how you can avoid some unnecessary PayPal charges whenever you want to send or receive funds- or better still “How to receive money on PayPal without a transfer fee”.

By the way: Check out how to get free $10-$100 on Paypal

Fact check: Do you know that PayPal charges you as high as a 3.49% fixed fee whenever you receive a domestic transition, 3.49% + fixed fee for PayPal Checkout (for customers with a Paypal account), 3.49% + fixed fee for PayPal Guest Checkout (This is the account that allows customer without a Paypal account to make payment via Paypal), 1.90% + fixed fee for using a QR code transaction starting from 10.01 USD and above, 2.40% + fixed fee for QR code transactions through a third party generator, 3.49% + fixed fee when you pay with Venmo, 2.89% + fixed fee when you Send/Receive Money for Goods and Services, 2.99% + fixed fee as a Standard Credit and Debit Card Payments fee and 3.49% + fixed fee on all other commercial transactions.

You would agree with me that these charges are a whole lot when you calculate everything together.

This is not what you would want for a business that is just coming up. For a stater business that is just striving to find its feet, incurring fees for each transaction you make like this is something you really would love to avoid if it were possible.

Yes, this is somehow possible if you meet up with the requirements.

There are some specific requirements you need to meet up with before you can receive payment with PayPal without a transfer fee. We will discuss more in the latter part of this post.

However so, you can as well check out some other PayPal alternatives that charge fewer transfer fees.

How to Receive Money On PayPal Without Transfer Fees

To receive money via PayPal without a transfer fee, all you need to do is to: Let someone else send you the money (Be the receiver), Be a U.S resident receiving from a U.S account, send the money via the “family and friend”  Paypal option and finally, the user must transfer to you from their PayPal balance or Bank account.

The above are the requirements you should fulfill before you can make any transactions on PayPal without incurring a transfer fee. But let’s discuss them in a more detailed format.

Requirements to Fulfill Before Receiving Money on PayPal Without Fees

Although it is very possible to receive money on PayPal even locally or domestically without a transfer fee; this is dependent on some factors. However, you can not send a money request or invoice to another person without you incurring fees. How then do you make transactions without fees on PayPal?

Here are the requirements you should fulfill:

  1. Ensure that transfer is made within the U.S. (This means that the two Paypal account holders must be residents of the U.S).
  2. That the User sending the money is transferring it directly from their PayPal balance or their bank account.
  3. Ensure the sender is using the “Family and friend” Paypal payment option.

In other words, if you are receiving money from an international account, or the sender is transferring the money from their U.S credit card, then there is no way to avoid incurring a `Paypal transfer charge.

To Receive Money On PayPal Without Bank Account:

Do you want to know if it is possible to receive money from Paypal even when you don’t have a bank account? I get lots of people asking me if this were possible. But the simple answer to this question is Yes. It is very possible to receive money from another PayPal user even if you don’t have a bank account. All you need is your email address.

When creating your Paypal account, PayPal will require you to input your email address. This is why you must input an active email address that you have access to because this is what you will be using over time to make any transaction via the app. And even if you want to receive money from another PayPal user, this is what the sender will request from you.

Once you have successfully linked your email address at the point of registering your Paypal account, anytime you want to receive money from another PayPal user, all you will need to do is to send them your email address associated with your PayPal account.

After you have sent the person your email address, and the money has been successfully added to your Paypal account, you can then use this money to purchase any items online while it is still in your Paypal account, so there is no need for you even withdraw it into your bank account.

Hence you do not need to have a bank account before you can receive money on your Paypal account. Or rather, even if you have a bank account, it is not a must you add your bank account before you can receive payment on your Paypal account.

So if at all you want to withdraw your funds from your Paypal account,  you can always do that even without having a bank account. Although this isn’t as easy as sending and receiving money through your Paypal account, it is not too hard to do.

The only thing you will be required to do is to ensure that you have an eligible debit or any type of credit card. Withdrawing money from your PayPal account to your Visa card can be liking to you buying something online. The only difference is that you are the one who will be sending and the one to receive the money at the same time.

How to Receive Money from a Friend on PayPal

Like I have said earlier in this post, the simple way to receive payment via your Paypal account is with your email account. But when you are sending money to your friend it is a bit of a different ball game.

Whenever you want to receive or send money to your friend on Paypal, there are two ways for you to do this.

Firstly, if your friend is also a PayPal account holder, then is very easy. All you need to do is just to request the email address of your friend and then make a direct transfer and your friend’s account will be credited immediately. But what if your friend is not a Paypal account holder? Then you can send or receive money from them via the method below;

  1. Sign in to your PayPal account
  2. Click on the “Send & Request” button at the top right corner of the page
  3. Enter your friend or receiver’s email address in the space provided and  then click on “Next”
  4. Input the amount you want to request/send (On this page you can also add more people to this request
  5. Then click on “Request a Payment”
  6. And that is it, your friend will get the money in his/her Paypal account.

If your friend does not own a Paypal account, you can still create a “Money Request” on Paypal too, and send it to their email address. This looks to be like a way of inviting them to open a Paypal account or sign up for a Paypal acocunt. Then after they have seen the requested email sent through you, they will see the instruction on how to create or sign up for a Paypal account and make the payment to you.

How is Send or Receive Money on PayPal Without SSN

Can you possibly, receive money on Paypal without a social security number (SSN)? Obviously No. You cannot receive payment on Paypal if you don’t have your Social Security Number  SSN.

This option is not longer made available to PayPal users since March 2019. PayPal changed its policy on personal accounts. Hence, no matter the amount you want to send or receive on Paypal, you will have to provide your Social security Number.

How to Receive Money on PayPal Without Verification

Receiving money from someone on PayPal into your wallet does not require any form of verification. Since you are not withdrawing the fund into your bank account. But the moment you have the mind of withdrawing the money into your bank account, PayPal will demand that you do a form of verification to validate your card or account.

How to Receive Mony on PayPal from eBay

Receiving money on Paypal from eBay is very simple. The first thing you need to ensure I that you have both a PayPal account and at the same time an eBay account. So if you don’t have one, I advise you to head on to the different websites and get one created now.

After a  successful sign-up on eBay, then you need to allow PayPal as one of the payment options from your eBay settings. To do this;

  • Open from your web browser
  • Click on your name in the upper left corner of the homepage
  • Click on “Account Settings”
  • Click on the “Account” tab
  • Under the “Payments” session, click on “PayPal Account”
  • Then follow the instructions that follow.

To Sent & Receive Money on a PayPal Business Account

A PayPal business account is mostly used by those who run an online business, either an eCommerce website or a platform that requires the customer to checkout. So if you are in this category then you might need to add PayPal as a payment option on your Checkout page.

To do this is very simple, all you will be required to do is to add some simple line of HTML code to your site backend, and that will be all. If you know very little about coding or programming, you can employ the help of a coder or programmer or a web developer to help you integrate it.

More so, PayPal has a well-detailed video tutorial to walk you through this but if you still are finding it hard, I suggest you seek the help of someone with a good backend experience.

Watch Video below

To Find Your PayPal.Me LInk:

All you need to do is to;

  1. Log in to your account
  2. Click on the “Setting” Icon at the top right corner
  3. Click on the “Account” tab which will open your profile/ account information.
  4. Look under the profile page, you will find your “Get PayPal.Me” button there.

To Receive Payment on PayPal App:

This is the simplest way for you to send to receive money from your friends, family, or customers. Just ensure you have installed the PayPal app on your device and then follow the processes highlighted below. The PayPal app is available on both android and iOS mobile devices.

Here are the steps you need to follow:

  1. Lunch the PayPal app on your mobile device
  2. From the home screen, click on the “Request” icon at the bottom right corner
  3. Enter a valid email address and tap “Next”
  4. Now enter the amount you want and click “Request Now”
  5. This will then send a money request to the email provided.

To Receive Money on PayPal From Facebook

To receive Paypal payment via your Facebook here is the procedure for you to follow:

  1. Log in to your Facebook account
  2. Click on your “Account profile Picture” at the top right corner
  3. Click on “Setting & Privacy”
  4. Click “Settings”
  5. from the given options, click on “Facebook Pay”
  6. Click on “Add Payment Method”
  7. Choose “PayPal”
  8. This will redirect you to your PayPal login page, then log in and follow the subsequent instructions.

To Send Money Internationally With PayPal:

Yes, of course. PayPal allows you to send money to another person from another country. so far as the person is also a Paypal account holder. Whenever you want to send money to a bank account, reload phones or pay for an international bill, PayPal will direct you to one of its international service pages Xoom, where you can make any international transfer.

Xoom allows you to send money pay bills, and reload phones from the US to different countries like; China, India, the Philippines, and up to about 70 more countries.

What are PayPal Merchant Fees?

As a merchant, there are different PayPal packages for different merchants depending on the one you are using. And whenever you receive a payment for a good or service, you might have to pay a fee. There are also different monthly fees associated with using a PayPal business account such as the “Standard” and “Pro” plans.

Moreso, PayPal fees vary based on the country. For instance, the standard like we might have mentioned earlier is 3.7% plus $ 0.30 when you receive money from another US Paypal account or 2.9% in Canada. But when the transaction is outside the US or Canada, the transaction fee will be around 3.9% plus a fixed fee on the currency.

Now, there are different ways to reduce or avoid the number of fees as a US citizen or for any international transactions;

To Avoid Transfer Fees on Payal: Here Are What you Should do;

  1. Ensure to include your PayPal fees while filling out for tax return
  2. Request to be paid in your original country’s currency so you won’t have to pay a conversion fee.
  3. Ensure you withdraw your PayPal fund to the linked bank account. This might tasks days tho, but it will save you from having to pay the minimum $10 fee that comes with the instant transfer.
  4. Try as much as possible to reduce the frequency at which you get paid to avoid the fees in transactions (You can just combine your transaction to like once a week/month).
  5. One very good way to avoid paying the seller’s fee is to ensure that your client sends the money through the “Family and Friends” option in Paypal. You add your client to your family and friend list on Paypal so that you can avoid paying any fee if you make your transition through this method.

What is PayPal ChargeBack Fee?

Whenever a transaction is made through a Paypal account, a particular fee is deducted from the seller’s account. Suppose a buyer now rejected the goods or the transaction is not processed, then a settlement fee is assessed on the seller’s credit or debit card transaction chargeback. So when a buyer rejects or reverses a charge on his or her card through the card issuer, a chargeback occurs.

The amount of chargeback is calculated based on the currency received.


A very good way to trick Paypal to send or receive money without paying any transfer fee especially if you are not a citizen of the United state or Canada is to fund your transfer using your PayPal balance. Whether you are sending the money domestically or internationally through Xoom. Also, ensure to compare all the factors that affect either of the two. Such factors include; Speed, transfer frequency, conversion fee, exchange rates, security, etc. Most importantly, use the “family and friends” Paypal payment option, these are a good way to avoid Paypal charges on each transaction you make.

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