# Pay, send, and save smarter

## Shop in stores and online

Tap to pay in stores with the PayPal Debit Card1 and earn rewards2 online with PayPal checkout.

## Get rewards from the brands you love

- Adidas  
- 1-800 flowers.com  
- Apparel  
- Restaurants  
- Groceries  
- Sony  
- Origins

### 01234567% back  
Get hundreds of offers.2

[Browse Offers](https://www.paypal.com/offers/)  
Check offers for details. [Terms and exclusions apply](https://www.paypal.com/us/legalhub/paypal/pp-rewards-program-tnc).

### +012345% back  
Also get 5% on purchases in your monthly category3 when you check out with your PayPal Debit Card.

[Get the Debit Card](https://www.paypal.com/us/digital-wallet/manage-money/paypal-debit-card)  
Rewards earned on up to $1000 of selected category spend per month. Rewards earned as points can be redeemed for cash or other options. [Terms apply](https://www.paypal.com/us/campaign/ppdc-debit-5per-cashback-category-tnc).

- Instacart  
- Nobull  
- Ticketmaster  
- Rideshare and Public Transit  
- Fuel

## Pay now or pay over time.

## It’s your choice.

### Pay in 4
### interest-free
### payments  
Paid every two weeks. No late fees. Won't affect your credit score to apply.4

[Learn About Pay in 4](https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later)

### Pay Monthly in 3,
### 6, 12, or 24
### payments  
With $0 down.  
No sign-up fees or late fees.5

[Learn About Pay Monthly](https://www.paypal.com/us/digital-wallet/ways-to-pay/buy-now-pay-later)

### Pay Monthly
### in store5  
Buy an item in store you’d like to purchase now but would prefer to pay for over time.

[Learn About Pay Monthly In Store](https://www.paypal.com/digital-wallet/ways-to-pay/buy-now-pay-later/pay-later-in-store)

### Pay with the PayPal Cashback Mastercard®  
Earn 3% cash back when you check out with PayPal and 1.5% on all other Mastercard purchases.6

[Apply for the Credit Card](https://www.paypal.com/us/digital-wallet/manage-money/paypal-cashback-mastercard)

### Special financing with the PayPal Credit Card  
Enjoy special financing on all purchases of $149+ everywhere PayPal or Mastercard is accepted.7

[Learn More](https://www.paypal.com/us/digital-wallet/ways-to-pay/credit-services/paypal-credit)

## Safety and privacy are our priority  
Your payments are encrypted and we don’t share your full financial info

[See How You're Safe](https://www.paypal.com/us/digital-wallet/security-and-protection)

## Send money to just about anyone, anywhere8

### Send
### Receive
### Pool  
Send in seconds.

[Send Money](https://www.paypal.com/us/digital-wallet/send-receive-money/send-money)

Request money easily.

[Get Paid](https://www.paypal.com/us/digital-wallet/send-receive-money/request-money)

Pool money up front for group gifts and more.10

[Start a Pool](https://www.paypal.com/us/digital-wallet/send-receive-money/pool-money)

## Make your money work harder. It’s easy. Really easy.

## Get 3.55% APY11 with your PayPal Savings account  
It's free to set up, FDIC insured with and held at Synchrony Bank—and you can roll in all the rewards you earn with PayPal so you earn even more.

[Start Saving](https://www.paypal.com/us/digital-wallet/manage-money/start-saving)

PayPal is a financial technology company, not a bank, and is not FDIC-insured. FDIC insurance protects against the failure of Synchrony Bank, Member FDIC, not the failure of PayPal. Any cryptocurrencies you hold in your PayPal account are not deposits, are not eligible for pass-through FDIC insurance and may lose value.

## Crypto the easy way  
Crypto curious? Confidently buy, sell, and transfer your crypto on PayPal. Get peace of mind knowing we don’t share your full financial information.12

[Explore Crypto](https://www.paypal.com/us/digital-wallet/manage-money/crypto)

## All in the PayPal app  
It’s your do-it-all digital wallet. Load up on offers before you shop. Track your packages. And manage it all on the go.

[Get the app](https://paypal.com/mobile-app/dashboard?source=%252Fhome_cta&pp_ref_id=1359e4b2-96a7-41e5-9546-fe119f863256&utm_campaign=&utm_medium=web&utm_source=%2Fhome&cust=&redirect=true)