[
    {
        "role": "user",
        "content": "what%20are%20the%20steps%20to%20send%20money%20to%20another%20individual%20via%20paypal%3F"
    },
    {
        "role": "assistant",
        "content": "Here are the current steps for sending money to another person using PayPal. I\u2019ll walk through both the desktop and mobile app versions, plus note things like fees and payment types. All info is based on PayPal\u2019s U.S. site as of late September 2026. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))\n\n---\n\n## \u2705 Prerequisites\n\n- You and the recipient both need PayPal accounts. If the recipient doesn\u2019t have one, they\u2019ll receive an email prompting them to sign up. ([securepayments.paypal.com](https://securepayments.paypal.com/us/cshelp/article/how-do-i-send-money-help293?utm_source=openai))  \n- Your email address with PayPal must be confirmed. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money?utm_source=openai))  \n- You\u2019ll need a funding source: your PayPal balance, linked bank account, credit or debit card. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n\n---\n\n## \ud83d\udda5 How to Send Money Using a Web Browser (Desktop or Laptop)\n\n1. Log in to your PayPal account. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n2. Click **Send & Request**. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n3. Enter the recipient\u2019s information \u2014 this could be their PayPal username, email address, mobile number, or name. ([securepayments.paypal.com](https://securepayments.paypal.com/us/cshelp/article/how-do-i-send-money-help293?utm_source=openai))  \n4. Click **Next**, then enter how much you want to send. You can choose the currency and add a note if desired. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n5. Select the payment type: either *\u201cFriends & Family\u201d* (personal payments) or *\u201cGoods & Services\u201d* if you're buying something. This affects who pays fees and what protections apply. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n6. Choose your payment method (PayPal balance, bank account, card, etc.). ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n7. Review all the details: recipient, amount, payment type, funding source, fees. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n8. When everything looks correct, click **Send Payment Now** (or \u201cSend\u201d). ([securepayments.paypal.com](https://securepayments.paypal.com/us/cshelp/article/how-do-i-send-money-help293?utm_source=openai))  \n\n---\n\n## \ud83d\udcf1 How to Send Money Using the PayPal Mobile App\n\n1. Open the PayPal app on your phone and log in. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n2. Tap **Send & Request**. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n3. Enter the recipient\u2019s username, email, phone number, or name. You can also find them via your contacts if enabled. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money?utm_source=openai))  \n4. Enter the amount, choose currency, optionally write a note. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n5. Choose *Friends & Family* vs. *Goods & Services* for payment type. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n6. Pick how you\u2019ll pay (balance, bank, card, etc.). ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money?utm_source=openai))  \n7. Review all the transaction details including fees. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n8. Tap **Send** to complete. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n\n---\n\n## \ud83d\udd17 Sending via PayPal Links or PayPal.Me\n\nYou can also send money via a link, which is helpful if you don\u2019t have the recipient\u2019s email or phone:\n\n- In the app, tap **Send/Request**, then choose **Send using a PayPal link**. ([pep.paypal.com](https://pep.paypal.com/us/cshelp/article/how-do-i-create-and-use-paypal-links-to-send-and-request-money-help1249?utm_source=openai))  \n- Enter the amount (and note or currency, if needed). ([pep.paypal.com](https://pep.paypal.com/us/cshelp/article/how-do-i-create-and-use-paypal-links-to-send-and-request-money-help1249?utm_source=openai))  \n- Choose payment type (Friends & Family vs Goods & Services). ([pep.paypal.com](https://pep.paypal.com/us/cshelp/article/how-do-i-create-and-use-paypal-links-to-send-and-request-money-help1249?utm_source=openai))  \n- Choose funding method, review everything, then create and share the link. The recipient clicks the link to accept or pay. ([pep.paypal.com](https://pep.paypal.com/us/cshelp/article/how-do-i-create-and-use-paypal-links-to-send-and-request-money-help1249?utm_source=openai))  \n\n---\n\n## \ud83d\udcb5 Fees & Reversibility\n\n- Sending to friends/family within the U.S. using your PayPal balance or linked bank account is usually **free**. Using a credit or debit card may incur fees (roughly 2.9% + fixed fee). ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n- International transactions typically have fees and currency conversion charges. ([www-cloudflare.paypal.com](https://www-cloudflare.paypal.com/us/digital-wallet/send-receive-money/send-money?utm_source=openai))  \n- Once a payment is sent, **you generally can\u2019t cancel or reverse it.** If something\u2019s wrong, you\u2019d need to ask the recipient for a refund. ([securepayments.paypal.com](https://securepayments.paypal.com/us/cshelp/article/how-do-i-send-money-help293?utm_source=openai))  \n\n---\n\nIf you tell me which country you\u2019re in and whether you\u2019re using a desktop or phone, I can give you steps tailored to your situation."
    },
    {
        "role": "user",
        "content": "for%20an%20individual%20payments%20how%20much%20are%20the%20charges%20and%20who%20pay%20them%3F"
    },
    {
        "role": "assistant",
        "content": "Here are the current PayPal fees for *individual (personal)* payments in the U.S., especially those sent as \u201cFriends & Family.\u201d I\u2019ll break down **how much the fees are**, **who pays them**, and **what affects them**. All info is based on PayPal\u2019s U.S. Consumer Fee schedule as of September 2026. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))\n\n---\n\n## \ud83d\udca1 Key Cases & Who Pays\n\n| Situation | Fee | Who Pays |\n|------------|------|----------|\n| Domestic (within the U.S.) personal payment using PayPal Balance or linked bank account | **No fee** ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai)) | Sender (no fee) |\n| Domestic personal payment using a **credit or debit card** | **2.90% of the amount + fixed fee** ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai)) | Sender |\n| International personal payment (sender in U.S.) using balance or bank | **5.00%** fee, plus a minimum of **US$0.99** and max of **US$4.99** for that portion ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai)) | Sender |\n| International personal payment using card (credit/debit or PayPal Credit) | Same base 5.00% rate (with same minimum & maximum) ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai)) | Sender |\n\n---\n\n## \ud83d\udd0d Details & Examples\n\n- **No Fee**: If you're sending personal money using *just* your PayPal balance or bank account, and the recipient is in the U.S., PayPal does **not** charge you a fee. This is for Friends & Family/personal payments. ([securepayments.paypal.com](https://securepayments.paypal.com/us/cshelp/article/whats-the-difference-between-friends-and-family-or-goods-and-services-payments-help277?utm_source=openai))  \n- **Using Credit/Debit Card**: If you use a credit card (or sometimes debit card or PayPal Credit) to send a personal payment domestically, it\u2019s 2.90% plus a fixed amount (usually around **$0.30 USD**) of the sent amount. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))  \n- **International Fees**: For sending to someone in another country, even using your balance or bank, there\u2019s an extra international fee\u2014about **5%**, with set minimums and maximums. Same if using card. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))  \n\n---\n\n## \u26a0\ufe0f Things to Watch Out For\n\n- **Currency conversion**: If the money needs to be converted into another currency, PayPal applies a spread on top of the mid-rate. This adds to the cost. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))  \n- **Fixed fee component**: When using credit or debit cards, the fee isn\u2019t just a percentage\u2014it also includes a fixed fee (about $0.30 in USD) in many cases. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))  \n- **Receiving funds**: For personal payments, the **receiver generally does not pay a fee**\u2014the sender pays. Unless there\u2019s something unusual like using non-supported payment methods or specific country rules. ([payments-reports-migration.payflow.edge.paypal.com](https://payments-reports-migration.payflow.edge.paypal.com/us/digital-wallet/paypal-consumer-fees?utm_source=openai))  \n\n---\n\nIf you want, I can pull up the fees for *your country* specifically (if you're not in the U.S.), so you get the exact rates you'd face."
    },
    {
        "role": "user",
        "content": "and%20here%20in%20Malta%20europe%20if%20i%20pay%20another%20individual%20paypal%20user%20how%20much%20are%20the%20charges%3F"
    },
    {
        "role": "assistant",
        "content": "Here\u2019s the latest look (as of mid-2025) at PayPal fees for *personal (\u201cFriends & Family\u201d)* payments among PayPal users in Malta (and generally the EU / EEA), and what affects what you pay. Some fees are waived under certain conditions. ([paypal.com](https://www.paypal.com/cy/digital-wallet/paypal-consumer-fees?utm_source=openai))\n\n---\n\n## Fees for Personal Payments in Malta / EU (EEA) \ud83c\uddea\ud83c\uddfa\n\n1. If **both sender and receiver are in Malta** (or more broadly, both are in the European Economic Area (EEA)), and the transaction is in **EUR**, then:\n\n   - There is **no fee** for domestic personal transactions, **if you're using your PayPal balance or a linked bank account**, *and no currency conversion is required*. ([paypal.com](https://www.paypal.com/cy/digital-wallet/paypal-consumer-fees?utm_source=openai))\n   - If you fund the payment (or part of it) with a **credit or debit card**, there *may* be fees. The specific % + fixed fee depends on the country. In many EU markets similar to Malta, card payments for personal transfers often have a % fee plus a fixed amount. But in Malta under EEA/EUR without currency conversion, card payments for Friends & Family may also be fee-free in some cases. This varies with available PayPal options. ([paypal.com](https://www.paypal.com/ma/webapps/mpp/paypal-fees?locale.x=en_MA&utm_source=openai))\n\n2. If the payment is **cross-border** (sender and recipient in different countries), but *still within the EEA*, and the currency is **EUR** (or SEK in some cases), then:\n\n   - It\u2019s still treated like a \u201cdomestic\u201d transaction for fee purposes \u2014 **no fee**, provided no currency conversion is involved. ([paypal.com](https://www.paypal.com/cy/digital-wallet/paypal-consumer-fees?utm_source=openai))\n\n3. If there *is* a currency conversion (for example, you send in EUR and the recipient receives in a different currency), or if you're sending outside the EEA, or using other payment methods (like cards), there *will* be fees:\n\n   - For **international personal transactions** where the recipient is outside your country/region, you\u2019ll typically pay a **fixed fee** (often **\u20ac1.99**) if sending to many standard markets like Europe & US. ([paypal.com](https://www.paypal.com/cy/digital-wallet/paypal-consumer-fees?utm_source=openai))\n   - If you use a credit or debit card (fully or partially) to send, then there's often an **additional percentage fee** (e.g. ~3-4% in many EU market rules) plus a fixed fee. ([paypalobjects.com](https://www.paypalobjects.com/webstatic/en_IE/mktg/Ireland_Fees_Riders.pdf?utm_source=openai))\n\n---\n\n## Who Pays the Fee\n\n- **Sender usually pays** the fee for personal payments (Friends & Family). When you're about to send, PayPal shows what fees apply and who will pay them. ([paypal.com](https://www.paypal.com/ma/webapps/mpp/paypal-fees?locale.x=en_MA&utm_source=openai))\n- If the sender selects a payment method that incurs a fee (card, cross-border, currency conversion), fee is taken from what the sender funds. ([paypalobjects.com](https://www.paypalobjects.com/webstatic/en_IE/mktg/Ireland_Fees_Riders.pdf?utm_source=openai))\n- The **receiver** typically pays **no fee** for receiving personal payments (Friends & Family), unless the payment involves some special condition or conversion. ([paypal.com](https://www.paypal.com/ma/webapps/mpp/paypal-fees?locale.x=en_MA&utm_source=openai))\n\n---\n\n## Quick Practical Scenarios in Malta\n\n| Scenario | Fee Applied? | Approx. \u20ac / % |\n|----------|---------------|----------------|\n| Send \u20ac to a friend in Malta using your PayPal balance / bank account \u2014 all in EUR, no conversion | No fee | \u20ac0 |\n| Send \u20ac to a friend in Germany (EEA), both using EUR \u2014 no conversion | No fee | \u20ac0 |\n| Send to someone outside EEA (say USA) using PayPal balance / bank \u2014 no card, no conversion | Fixed fee ~ \u20ac1.99 | \u20ac1.99 |\n| Send using a credit/debit card (even within EEA, but funded by card) | % + fixed fee (varies per country / PayPal\u2019s card fee rules) | ~3-4% + fixed fee |\n\n---\n\nIf you want, I can pull up **the specific card-funded fee** for such a case in Malta (using a credit card) or show the **exact fixed fee** for sending to US from Malta. Do you want me to look that up?"
    }
]