What is Direct Debit?

Direct Debit is a simple and convenient way to make one-time or recurring payments using your PayPal balance using your PayPal balance. Direct Debit authorizes a merchant (or service provider) to initiate payments from your PayPal Balance account for things like utilities, subscriptions, or memberships.

These Direct Debit payments are set up and authorized on a third-party merchant's website or mobile application. Direct Debit payments occur over the ACH network using your assigned Bancorp account and routing number. You may be provided with a Bancorp account and routing number when you open a PayPal Balance account, enroll in Direct Deposit, or open and PayPal Debit Card. To use Direct Debit, provide your Bancorp routing and account number when prompted for a bank account as you are setting up a payment with a merchant.

Here's how to find your routing and account number:

1. Log in to your PayPal account.
2. Click Direct Deposit in your profile.
3. There you will find your routing and account number.

You can manage Direct Debit preferences anytime by going to Direct Debit settings using the same steps above.

Direct Debit may be toggled “on” by default, which will allow payments to go through. If you disable Direct Debit payments by turning the toggle “off,” all initiated or scheduled Direct Debit payments, and any other payment or withdrawal transaction made with your account and routing number initiated on a third-party platform, will not go through. Disabling Direct Debit payments will not affect your ability to receive funds via Direct Deposit.

If you wish to cancel a Direct Debit payment, you can contact the merchant or PayPal Customer Service at least three business days in advance to enable a stop payment.

For more information, refer to the "Withdrawing Money from a Balance Account" section in the PayPal Balance Terms and Conditions. 

Direct Debit payment limits are as follows:

• Maximum per transaction limit: $3,000
• Maximum daily limit on aggregate amount of all transactions: $3,000
• Maximum daily limit of 10 transactions per day
• Direct Debit payments are not eligible for the PayPal Purchase Protection Program

Third-party merchants or service providers may refer to Direct Debit payment transactions as ACH Debit or E-Check.