Many people wonder whether PayPal lets you “cash” checks — and if so, how fast and at what cost. PayPal offers a way to deposit checks electronically using its mobile app and PayPal Balance, but there are eligibility requirements, limits, and processing timelines you should know before you use this feature.
Quick answer: PayPal allows eligible users to deposit checks electronically into their PayPal account using the mobile app. Funds are not typically available instantly unless you choose an expedited service that may charge a fee.
If you’re looking for in-person check cashing options instead, see our guide to grocery stores that cash checks.
Can You Cash a Check With PayPal?
PayPal does not offer traditional in-store check cashing. However, eligible users can use the PayPal app to deposit checks electronically into their PayPal balance through the “Deposit a Check” feature.
This is essentially a mobile check deposit rather than instant cashing, and approval isn’t guaranteed for all users or all check types.
PayPal Check Deposit Eligibility Requirements
Not all PayPal accounts are approved for mobile check deposits. Common eligibility conditions include:
- PayPal account in good standing
- Verified identity on the account
- Mobile app installed and updated
- U.S. resident (feature is U.S.-only)
- Connected and verified email and phone number
Note: PayPal can grant, limit, or remove check deposit access at its discretion based on account history.
Types of Checks PayPal Typically Accepts
When the feature is available, PayPal commonly allows deposits for:
- Payroll checks
- Government checks
- Personal checks
- Insurance settlement checks
PayPal generally does not support:
- Third-party checks
- Foreign checks
- Business or corporate checks
- Money orders
How to Deposit a Check in PayPal
If your account is eligible for check deposits, follow these steps:
- Open the PayPal app and sign in to your account.
- Tap Wallet or the menu for deposits.
- Select “Deposit a Check” (if available).
- Endorse the check as instructed.
- Capture clear photos of the front and back.
- Enter the amount and submit for review.
PayPal Check Deposit Times, Limits & Fees
PayPal reviews each check deposit and makes funds available based on internal risk checks and verification. Timeframes and limits vary by account.
| Category | Typical Range |
|---|---|
| Processing time | 1–3 business days (often faster for payroll/government checks) |
| Daily deposit limit | Varies by account and history |
| Monthly deposit limit | Varies by account and history |
| Mobile deposit fee | Usually free (fees may apply for instant funding) |
Using Optional Instant Funding may incur a fee and is subject to approval.
Why a PayPal Check Deposit May Be Delayed or Rejected
Common reasons for delays or rejection include:
- Poor photo quality
- Incorrect endorsement
- Ineligible check type
- Account risk or history issues
PayPal will notify you in the app if a deposit is rejected and often explains why.
FAQs About PayPal Check Cashing
Can I Cash a Check Instantly With PayPal?
PayPal generally does not provide instant check cashing unless you use an optional instant funding feature (fees may apply), and eligibility isn’t guaranteed.
Does PayPal Check Deposit Work Without a Bank Account?
Yes. You do not need a traditional bank account to deposit checks into your PayPal balance.
Is PayPal Check Deposit Safe?
Yes. PayPal uses encryption and verification to protect your financial information and check deposits.
Bottom Line
PayPal does not offer in-store check cashing, but eligible users can deposit checks through the mobile app. Processing times and limits vary depending on account history and risk factors, and optional instant funding may cost a fee. Always check your PayPal app for the latest options available to your account.