Can you tap to pay with PayPal credit?

PayPal has become one of the most popular and widely used online payment services. With PayPal, users can send and receive money online conveniently. One of PayPal’s offerings is PayPal Credit, which allows users to make purchases and pay over time. PayPal Credit works similarly to a credit card, with the balance needing to be paid back to PayPal. With the rise of tap to pay and contactless payments, many wonder if PayPal Credit can be used for tap to pay.

What is Tap to Pay?

Tap to pay, also known as contactless payment, allows users to pay for purchases simply by tapping their payment card or enabled device on a point-of-sale terminal. Rather than inserting a chip card or swiping a magnetic stripe card, tap to pay uses short-range wireless technology like NFC (near field communication) to transmit payment information securely. When a tap to pay card or device is held near the payment terminal, the transaction processes in seconds. Tap to pay is convenient, fast, and secure.

Benefits of Tap to Pay

There are several benefits to using tap to pay:

  • Speed – Tap to pay is very fast, with transactions processing in seconds.
  • Convenience – No need to insert or swipe a card, just tap.
  • Security – Tap to pay uses tokenization and encryption for secure transactions.
  • Useful for small purchases – Tap to pay is well-suited for smaller everyday purchases.
  • More hygienic – Reduces contact with payment terminals.

Tap to pay provides a frictionless and efficient payment experience for customers. It has grown increasingly popular in recent years, with many merchants offering tap to pay terminals.

Can You Use PayPal Credit for Tap to Pay?

The short answer is yes, PayPal Credit can be used for tap to pay purchases in stores, assuming your phone is set up for this. Here are some key points on using PayPal Credit with tap to pay:

  • You need an NFC-enabled smartphone that allows tap to pay.
  • The PayPal app needs to be downloaded onto your phone.
  • You must add your PayPal Credit account to the PayPal app.
  • Your phone can then be used to tap and pay at contactless terminals.
  • The purchase amount gets charged to your PayPal Credit account.

So with the proper smartphone and app setup, PayPal Credit functions just like a regular credit card when making tap to pay purchases. The tap and transactions are processed by the PayPal app on your phone.

Using an Android or iPhone for Tap to Pay with PayPal Credit

On both iPhones and Android phones, you can add PayPal Credit to the PayPal app and use it to make tap to pay purchases. Here are more details:


  • Add your PayPal Credit account to the PayPal iOS app.
  • Enable tap to pay payments within the app.
  • You can then tap to pay at contactless terminals using your iPhone.
  • Works on iPhone 8 or newer models.

Android Phone

  • Add PayPal Credit to the Android PayPal app.
  • Turn on NFC payments in the app.
  • Tap to pay at checkout by holding your phone near the terminal.
  • Must have Android device able to support tap to pay.

As long as you have an eligible smartphone and the PayPal app configured properly, PayPal Credit can work for tap to pay via either iPhone or Android.

Where Can You Use PayPal Credit Tap to Pay?

PayPal is accepted at millions of merchants and retailers. Any merchant that accepts contactless payments from major credit and debit cards should also accept tap to pay from PayPal Credit. Here are some places you can tap to pay with PayPal Credit:

  • Grocery stores
  • Pharmacies
  • Coffee shops and cafes
  • Convenience stores
  • Clothing and department stores
  • Gas stations
  • Restaurants and fast food
  • Public transit
  • And many more everyday places

Just look for the contactless or tap to pay symbol at checkout. PayPal Credit via tap to pay can be used wherever Apple Pay, Google Pay or major contactless card payments are accepted.

International Tap to Pay with PayPal Credit

One great benefit of PayPal is that it works globally. If you travel internationally, you can use PayPal Credit for tap to pay purchases abroad, as long as the merchants accept PayPal payments. Contactless payments are widespread in many countries around the world. Wherever you see the tap to pay symbol when traveling, you should be able to use your PayPal app to pay.

Pros of Using PayPal Credit for Tap to Pay

There are some nice advantages to using your PayPal Credit account for tap to pay purchases:

  • Seamless payments – Tap to pay is speedy and convenient at checkout
  • Access to credit – Tap to pay pulls right from your PayPal Credit line of credit
  • Earn rewards – May earn cash back or other rewards on purchases
  • Flexibility – Lets you pay over time if needed
  • Purchase protection – PayPal purchase protection applies
  • Global usage – Works at millions of merchants worldwide

For quick transactions, tap to pay with PayPal Credit really maximizes the convenience factor. And you still get the familiar PayPal benefits you would expect.

Earning Rewards

A nice perk of using your PayPal Credit account for tap to pay purchases is that you can earn rewards. For example, you can get:

  • 3% cash back on PayPal purchases (for a limited time)
  • 2% cash back when checking out with PayPal (limited time offer)
  • 1% cash back on all other PayPal Credit purchases

So your tap to pay transactions with PayPal Credit may qualify for cash back rewards, putting money back in your pocket. Other periodic promotional offers may also let you earn bonuses and rewards with PayPal Credit.

Cons of PayPal Credit Tap to Pay

While using PayPal Credit for tap to pay has some nice perks, there are also a few potential drawbacks to consider:

  • Credit card interest – If you don’t pay your balance in full, interest charges apply.
  • Potential fees – Late fees or returned payment fees may be charged.
  • Credit impacts – High credit utilization could negatively impact your credit score.
  • Phone compatibility – Need NFC-enabled smartphone to tap to pay.
  • More spending – Easy tap to pay could lead to overspending.

The main downsides relate to credit card debt and financial responsibility. Tap to pay with PayPal Credit gives you easy access to credit on the go. Make sure to only tap to pay for what you can reasonably afford.

Avoiding Credit Card Interest and Fees

To avoid paying interest and fees when using your PayPal Credit account, be sure to:

  • Pay your balance in full each month.
  • Pay at least the minimum by the due date.
  • Don’t go over your credit limit.
  • Create calendar reminders for payment dates.
  • Set up autopay if it helps you remember payment dates.

Monitoring your account regularly and maintaining good financial habits will help you avoid costly credit card fees and interest charges.

Alternatives to PayPal Credit for Tap to Pay

Aside from PayPal Credit, you may also be able to use these methods for tap to pay:

Standard Credit or Debit Card

Any contactless credit card or debit card can work with tap to pay. Just enable the tap to pay function in your card provider’s app or contact them to request a contactless card if needed.

Digital Wallets

Mobile wallets like Apple Pay, Google Pay or Samsung Pay also allow tap to pay from linked cards. Add your credit/debit card to the app and tap your phone to pay.


Many smartwatches now support tap to pay as well. Make payments right from your wrist with Apple Watch, Google Wear OS watches, Garmin Pay, and more.

Prepaid Cards

Some prepaid debit cards aimed at teens or those with poor credit can also be used for tap to pay transactions in stores.

So PayPal Credit is far from your only option for contactless payments – but it remains a solid choice that combines tap to pay convenience with PayPal’s buyer protection and other benefits.

Setting Up Tap to Pay with PayPal Credit

If you want to get started with using PayPal Credit for tap to pay purchases, follow these steps:

  1. Check if your smartphone supports tap to pay – It needs NFC capability.
  2. Download the latest PayPal app from your device’s app store.
  3. Log into your PayPal account through the mobile app.
  4. Add your PayPal Credit as a payment method.
  5. Enable tap to pay payments within the PayPal app.
  6. You can now tap to pay at checkout terminals!

It just takes a few minutes to set up. Also take the time to review any tap to pay terms and conditions within the PayPal app.

Adding Your PayPal Credit Card

To use your PayPal Credit for tap to pay, you must first add the account to your PayPal app:

  1. Open the PayPal app and log in.
  2. Tap the settings icon or go to your profile.
  3. Select “Manage wallet” or “Link cards.
  4. Choose “Add a card” and enter your PayPal Credit card details.
  5. Follow the prompts to successfully link it.

Once added, you can select PayPal Credit as a payment option when you tap to pay in stores.

Tips for Using PayPal Credit Tap to Pay

Follow these tips for the best experience when using PayPal Credit contactless payments:

  • Only tap once at checkout – multiple taps may process multiple payments.
  • Keep your phone unlocked while tapping.
  • Select Credit to avoid entering a PIN.
  • Be aware of your account balance and spending.
  • Review transactions regularly to catch any errors.
  • Disable tap to pay before loaning your phone to someone.

Tap to pay makes checkout extremely quick and convenient. But be sure to tap properly and keep tracking of your spending for financial responsibility.

The Future of Tap to Pay

Contactless payments have grown exponentially over the past decade, with tap to pay becoming widespread across merchants. This growth trajectory is expected to continue as more customers seek fast and seamless payment experiences.

PayPal will likely play a key role in the future of tap to pay. Given PayPal’s brand recognition, security, buyer protection, and convenience, PayPal is poised to remain a top choice for contactless payments via smartphones.

Some predictions for the future of tap to pay:

  • Continued expansion of tap to pay terminals
  • Higher transaction volume and market share
  • More tap to pay options for emerging payments like cryptocurrency
  • Evolution of wearable devices for contactless payments
  • Blurring lines between online and offline payments
  • Internet of Things payments via tap

PayPal Credit is sure to remain a popular payment method that evolves along with the growing tap to pay industry. The future looks bright for contactless transactions with PayPal Credit and other payment providers worldwide.


In conclusion, PayPal Credit can definitely be used for tap to pay purchases wherever contactless payments are accepted. The process is quick and easy – just add your card to the PayPal app and tap your phone at checkout. PayPal Credit offers the convenience of tap to pay combined with the benefits of PayPal purchase protection and rewards. As contactless payments grow, services like PayPal Credit create a fast, seamless payment experience that caters to the modern consumer’s needs.

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