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PayPal India Review 2022

PayPal India Review 2021

PayPal is one of the global giants in the world of payment services. Established more than two decades ago, PayPal has operations in several countries around the globe. The brand has an incredible 300 million+ users and it operates in more than 200 countries.


  • Globally accepted payment service
  • Very easy to set up
  • International acceptance
  • Security features are of the highest standard
  • Support for several currencies


  • Fees charged can be quite high
  • Poor currency conversion rates

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History of PayPal

PayPal is a payment service that started operations as Confinity back in 1998. However, the brand quickly grew within a couple of years and the initial public offering came about in 2002. The valuations of PayPal have skyrocketed since then and it is now valued at more than $100 billion. PayPal was part of the online shopping platform, eBay, for several years before being spun off into its own company back in 2014. The Indian operations of the company have been conducted for several years. The commitment towards India grew a lot more with PayPal starting domestic operations in 2017. As a result, PayPal India has become more than just a platform for cross-border transactions.


Is PayPal a safe platform?
Yes, PayPal is one of the most secure platforms when it comes to online payments. A number of measures are taken to keep the information secure. These include anti-fraud technology and data encryption amongst many more.
What type of payments can be made on PayPal?
PayPal India can be used to make transactions on a range of activities like pay on merchant sites, send online donations, or receive funds for the sale of a product.
Is PayPal legal in India?
Yes, PayPal is legal in India. It adheres to the rules and regulations laid out by the Indian government and the Reserve Bank of India.
What are the different types of PayPal accounts available in India?
The PayPal operations in India can be availed in personal or business accounts. These two different types of accounts come with a different set of advantages and disadvantages.

PayPal India VIP Review

There is no VIP program at PayPal but users who perform large transactions will be able to benefit from reduced fees, as there are different slabs based on monthly sales data. It is not possible to receive different slabs of charges when using PayPal for local transactions. However, there are four different slabs applicable for users who use PayPal for receiving international payments.

The fee is set at 4.4% along with a fixed fee, which is based on the currency, for users who are making a monthly volume of up to $3000. The fixed fee remains constant irrespective of the slab, but PayPal’s fees drops to 3.9% when users make transactions between $3000.01 and $10,000. The next slab comes into effect when users make transactions from $10,000.01 to $100,000. A user will be only paying a fee of 3.7% in this instance. For users who reach a monthly volume of more than $100,000, a fee of 3.4% will be charged.

Every user has to send an individual application for being promoted to the higher slab. However, not all applications end up being successful.

Currency Options

PayPal is one of the best-recognised international wallet. It can be used in more than 200 countries around the world. Naturally, this expansive coverage is made possible only by virtue of having support to various currencies. For business users who are looking to receive payments from international clients, the PayPal India account can be a huge bonus with its ability to support a range of currencies apart from standard options like United States Dollar, Euro, British Pound Sterling, and Japanese Yen. At any given moment, multiple currencies can be included in the list. For example, users can go with Danish Krone, Hong Kong dollar, Swiss Franc, Canadian Dollar, Philippine Peso, Russian Ruble, and more.

PayPal India Transfer Fees and Exchange Rates

One of the biggest disadvantages of PayPal would be the exchange rates. PayPal claims to update the rates on a daily basis. However, the user will be given rates that are only applicable at the time of payment. There is typically a charge of around 3.5% on the prevailing rate, although this can vary by a good margin. One can even get exchange rates that are around 2.5% less than the prevailing rate, while some instances can even see the rate slightly go beyond 3.5%.

A huge advantage of the PayPal account would be the complete absence of a transfer fee when making purchases. The user can also open an account without any hassle as there are no account opening charges.

One can stay abreast with the current rates offered by PayPal by stepping into the accounts section. The ‘currency converter’ is provided by PayPal so that users can check the latest rates for any specific conversion. This can come in handy when trying to estimate transactions.

PayPal Mobile App Review

A mobile app from PayPal allows users to access and manage the account without a desktop. All actions can be done from the smartphone and this even includes sending money to anywhere across the world. Just like the desktop, the app enjoys a range of features that are designed to enhance security. These include secure encryption, fraud protection, transaction monitoring, and more. The ability to support NFC transaction has also made it a lot easier to make payments.

It does not take long to appreciate the convenience of the mobile app, which has been designed extremely well. The payment app, though, could do with some upgrade to the design so that it becomes a lot more modern, while bringing additional features like message integration and social feed along the way.

The apps can be downloaded for Android and iOS devices without any issues. Both apps are available on the respective Play Stores and the entire process of getting these apps on a phone or tablet would take only a minute or two.

PayPal e-Wallet Review

Money Transfer Options

  • Merchant sites

Withdrawal Options

  • Bank transfer
  • Credit card payments

Bharath Ramm R

A sports writer and an ardent Chelsea FC fan, Bharath has been into reviewing online casinos and games for a decade now. He is passionate about nature and cars too.