PayPal Debit Card

To get the most out of your eBay selling experience, you’ll want to reduce your out-of-pocket expenses as much as possible. One simple way to do that is to use the PayPal debit cardMasterCard. I use mine to acquire inventory for eBay, pay my monthly eBay fees, and pay for shipping, among other things. If you haven’t already signed up for a PayPal account, register here.

The debit card isn’t openly promoted on the site, so you’ll probably have to search for it. Here’s what I got from the site after searching the help files.

The PayPal ATM/Debit Card is available to users who:

  • Have been a PayPal member for at least 60 days.
  • Have a U.S. PayPal account.
  • Have registered a credit card where the monthly statement is sent to a physical street address (not a P.O. Box).
  • Are Verified (have added and confirmed a bank account).
  • Have upgraded to a Premier or Business account.
  • Are an active PayPal member in good standing, as determined by the PayPal Account Review Department.

If you meet the above requirements, log in to your account and click the ATM/Debit Card link in the footer of any PayPal page to request your card.

After you’ve submitted your card request, the Account Review department will review it. You should receive your card in 2 to 4 weeks.

Once you’ve enrolled in the PayPal Preferred rewards program, you can get 1.5% cash back when you use your PayPal Debit Card to make a purchase without entering your PIN (e.g. online, in restaurants, stores at the mall). To get 1.5% cash back, just use your PayPal Debit Card like a MasterCard credit card. Because it’s a MasterCard, you can choose “Credit” instead of “Debit” for many merchants, like grocery stores or gas stations.

To become PayPal Preferred and get 1.5% cash back on all of your debit card purchases:

  • Sell on eBay.
  • Enroll in the PayPal Preferred program by clicking the PayPal Preferred link in the Enhance Account box on your Account Overview page. Enrollment will include registering your eBay User ID and Password.
  • Advertise PayPal as the only online payment service on your eBay listings. You can still accept checks and money orders, and you can even mention other online payment services in your end-of-listing email to buyers; but to be eligible for PayPal Preferred, you need to advertise PayPal exclusively on your actual listing.

After you’ve enrolled, you’ll receive 1.5% cash back on all purchases where you don’t use a PIN (restaurants, department stores, online, etc). Most merchants will let you use your ATM/Debit Card without entering your PIN—just choose Credit instead of Debit when given the choice.


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