How To Pay With a PayPal Balance Instead of a Credit Card- (Complete Guide)

Pay with PayPal Balance Instead Of Credit Card.

Are you stuck in the process of paying with a PayPal balance instead of a credit card but don't know the right way? then this article will truly help you out with this problem.

Can you pay with a PayPal balance instead of a credit card? Absolutely Yes, you can pay with your PayPal balance instead of a credit card by following some simple steps.

I recently did this process and I will show you a step-by-step guide with photos of both personal and business accounts.

Whether you are a beginner or experienced with PayPal, after reading the process you will surely make payment through PayPal balance.

Also, this article will cover the possible reasons behind- why PayPal does not allow you to pay through PayPal balance instead of a credit card and are possible solutions for that.

So let's start!

Table of Contents

What is PayPal Balance?

For those, who don't know what PayPal balance is- The PayPal balance is money or funds that are shown in your PayPal account.
You can add or withdraw these funds to your bank account and can utilize the PayPal balance to send someone, online transactions, shopping online, etc.

How to pay with a PayPal balance instead of a credit card?

To pay with a PayPal balance instead of a credit card, first, you need to set the preferred payment as a PayPal balance.

It is a simple process as I said earlier, but some of you have personal PayPal accounts and some business PayPal accounts.

Don't worry I will cover the process for both personal and business PayPal account users. Read on!

For Personal PayPal Account-

If you have a personal PayPal account and want to pay with a PayPal balance without using a credit card then follow the below process-

1. Open any browser & search for PayPal, go to the PayPal site or you can open PayPal app by download it from playstore.

2. 'Login' to your PayPal account with your credentials.

3. On the PayPal dashboard you have to click on the 'Wallet' in the upper row.

How to pay with PayPal balance instead of credit card?

4. Scroll a little until the 'Preferred when paying online' option comes, it is on the right side.

5. To set the PayPal balance for the payment, press on the 'Set as Preferred' option as indicated by the red arrow in the image below.

How to pay with PayPal balance without of credit card?

Done!

Now, whenever you pay for your purchase through PayPal, then the money will automatically be deducted from your PayPal balance instead of your credit card.

For Business PayPal Account-

The user who has a business PayPal account should follow the given below steps to pay with a PayPal balance rather than a card-

1. Open the PayPal and log in with your email and password.

How to pay with PayPal balance instead of card?

2. There on PayPal's dashboard, on the above horizontal line, you will see some options, among which click on 'Pay & Get Paid'.

How to pay with PayPal balance rather than credit card?

3. Now from the 'Wallet' section click on the 'Payments'.

How to pay with PayPal balance instead of credit card?

4. On the 'Payment' panel, you will see your money, currencies, etc.

5. At the right side, hit the 'Payment preferences'.

How to pay with PayPal balance instead of credit card?

6. 'Choose your preferred way to pay online', choose the 'PayPal Balance', and click on 'Confirm'.

How to pay with PayPal balance instead of credit card?

Done!

So, here you can set a preferred payment option as PayPal balance on your PayPal business account and now you can use PayPal balance to pay without a card.

How to use PayPal balance to pay online?

To use the PayPal balance to pay for online purchases you need to set the preferred payment option as 'PayPal Balance'.

Performer the below-described steps-

1. Login to your PayPal account.

2. On the right side you will see the settings (Gear Icon) option, click on that.

How to use PayPal balance to pay online?

3. Now click on 'Payment'.

4. Here you will find the 'Online Purchase' option, press on the option.

How to use PayPal balance to pay online?

5. Choose 'PayPal Balance' as the preferred payment option online and click on 'Confirm'.

That is all!

Now you can use your PayPal balance to pay for online purchases, but make sure to keep an extra balance as PayPal charges fees for transactions, lest it rejects the payment.

Why can't I pay through PayPal balance?

If you completed the above-described process of paying with a PayPal balance without a card, you are still facing some issues.

Don't worry I discussed some exact possible reasons with the sure solution.

I consider that you have completed the above steps and I will explain the reason accordingly.

Let's discuss the issue of why you can't pay through PayPal to balance-

Don't Have Enough PayPal Balance:

If you have set up the preferred payment as PayPal balance and when you pay on the website, it redirects you to your credit card or bank details.

Then it is probably because you don't have enough PayPal balance in your account, check the PayPal balance and add some extra balance.

PayPal Fees Are Too High:

In some cases, you don't have enough PayPal balance in your wallet to pay for the purchase.

Suppose you have $40 in your wallet and you want to buy a product for $40 as well.

You would think it is just enough money to make that purchase but PayPal charges a fee for the transaction, which means you need a little bit more money to do that.

These are the possible reasons why you can't pay through PayPal balance instead of a credit card.

To resolve the issue follow the steps-

Remove all card form payment options:

The final solution for the problem is-

• Remove all your cards and bank accounts from the payment option.

• Make sure to have an extra balance in your wallet.

• Repeat the process of setting the preferred payment option as PayPal balance.

Now you can pay through your PayPal balance without a card.

Does a negative PayPal balance affect your credit score?

No, a negative PayPal balance doesn't affect your credit card score.

PayPal typically doesn't share your PayPal account activity reports to the card bureau, whether it is positive or negative or in debt, so your negative PayPal balance doesn't affect your credit card score.

But in case when a PayPal account has been sent to collections, then the collection agency might register the debt to the credit departments, which could then affect your credit card score.

How to create a PayPal balance account?

If you are a bit confused about what is a PayPal account and a PayPal balance account? then,

PayPal balance account is not a new concept, formerly it is known as PayPal Cash or PayPal Cash Plus account.

PayPal merges the features of both PayPal Cash and Cash Plus accounts in the PayPal balance account.

Now, how can you create a PayPal balance account-

1. Login to your PayPal Personal account.

2. Ask someone to send money, at the time of accepting money there you have two options: 

• Keep the money in PayPal, OR

• Transfer it to the bank.

3. Click on the first option- Keep the money in PayPal

4. After choosing the first option you will be redirected to create a Balance account.

5. Fill out the necessary information such as your name, DOB, TIN- Taxpayer Identification Number, and your address.

6. Read the Terms & Conditions carefully and Confirm to Submit.

That's it you’re done! Now you can see your money in the PayPal Balance account.

FAQ- Pay with a PayPal balance instead of a credit card

Q: Can I use my PayPal balance to pay?

Of course Yes, you can use your PayPal balance to pay for the stuff, and to view your available PayPal balance go to your dashboard page.

Q: Can I pay bills with the PayPal balance?

Yeah definitely, you can pay your bills too with PayPal balance, bank account, debit or credit card, PayPal Credit.
You can even pay cable bills, cell phone bills, etc by using any suitable payment option available in your PayPal Wallet in the United States.

Q: Where can I use my PayPal balance?

You can use PayPal balance for many things such as sending money to family, and friends, shopping online, paying bills, or paying in the physical store etc.

Conclusion:

In this article, I cover the full tutorial on how you can pay with a PayPal balance instead of a credit card, the process is straightforward as I described.

If you haven't yet created the PayPal balance account and want to create one then I also cover the exact steps for that.

Still, if you are facing any problems when paying through PayPal balance, I gave some reasons with the exact possible solutions.

Feel free to ask any query related to PayPal and share this information with your closing!