Paypal Credit and private sales

[basskleff1]

Hi all,

This has for sure been asked in many variants.

I'm in the US.

In a typical private sale such as a FB marketplace good, can I as the buyer use my PayPal credit to pay the seller, who may not have a PayPal business account?  He is at least an individual with an email and may or may not have a PayPal registered business account as I do.

Is it having a PayPal registered business account (even if it's really an individual behind that) that allows one to accept PayPal credit payments, and therefore the other party (buyer) to send payments that route?

For example, I bought bicycle wheels last fall from an individual on Craigslist.  He directed me to PayPal and his business name, as he also advertised on Ebay.  I was able to make a $200 payment and enjoy the benefits of 6months 0% on PayPal credit.

Thank you,

BK

[sharpiemarker · Accepted solution]

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@basskleff1 wrote:

Hi all,

This has for sure been asked in many variants.

I'm in the US.

In a typical private sale such as a FB marketplace good, can I as the buyer use my PayPal credit to pay the seller, who may not have a PayPal business account? 

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Yes, a personal account user can send a PayPal Invoice and upon you viewing the invoice to pay, if the Pay Later button is offered to you (which as nothing to do whether an account is personal type or not but more about PayPal determining risk), you may have the option to use PayPal Credit. If you have a lot of bank/cards linked to your PayPal, click the Show more > to see the pay later options.

[basskleff1]

Thanks, that's encouraging.

[university_buzz]

Did it work? I've been looking for the same answer, but all the response ever say is "it might."

[PayPal_Bindu]

Hello @university_buzz 

Welcome back to the PayPal Help Community and thanks for posting!

I see you're looking to make payment with your PayPal Credit. Depending on the on the circumstances of each purchase, sometimes PayPal Credit may not be available as a payment method even if the seller allows the PayPal Credit payments. For eligible purchases, you can see the PayPal Credit as a payment method at the time of check out. If you don't see PayPal Credit option, please try to complete the purchase choosing a different payment method. 

Regards,

Bindu