Also known as: PayPal; PayPal Credit; PayPal Pay in 3
PayPal UK Ltd is the UK entity of PayPal, one of the world's most widely used online payment services. In the UK, PayPal is primarily known as a digital wallet and payment platform that allows people to send and receive money, pay for online purchases, and make international payments.
PayPal also offers consumer credit products in the UK. PayPal Pay in 3 is a Buy Now Pay Later product that allows customers to split a purchase into three equal payments spread over two months, with no interest if paid on time. PayPal Pay Monthly offers longer-term financing for larger purchases. These credit products are regulated by the Financial Conduct Authority.
PayPal is widely accepted by online retailers and is often presented as a payment option at checkout. The PayPal app allows users to manage their account, check their balance, and access their credit products.
If you have a PayPal credit product — such as Pay in 3 or Pay Monthly — and are finding it difficult to keep up with payments, contact PayPal's customer service through the app or website. PayPal UK Ltd is authorised and regulated by the Financial Conduct Authority for consumer credit activities. It is also regulated by the FCA as an electronic money institution for its payment services.
Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice if you are struggling with PayPal credit or any other debt.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from PayPal UK Ltd’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
PayPal digital wallet; PayPal Credit (revolving credit); PayPal Pay in 3 (BNPL — currently unregulated BNPL product); online payments; merchant acquiring
Trading names and group notes
PayPal (Europe) S.à r.l. et Cie, S.C.A. (Luxembourg-registered, supervised by CSSF Luxembourg) remains the legal entity for non-UK EU customers. PayPal Europe Services Limited is a separate UK-registered entity (FRN visible on FCA register). PayPal UK Ltd (CH 14741686) is the primary regulated UK consumer entity from November 2023.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
4.0 (paypal.com/uk profile)
Approx. 6,894 (paypal.com/uk); separate global profile (www.paypal.com) rated 1.3 with 38,861 reviews reviews
Google Play
4.4 (approximate)
Other review sources
Smart Money People PayPal Pay in 3 rating: 4.76 stars from 53,468 reviews; FCA undertaking secured on BNPL contract fairness 2022; PayPal Pay in 3 remains unregulated under current UK law
Overall public sentiment
Mixed — overall PayPal brand scores poorly on global Trustpilot (1.3) due to dispute resolution and account limitation complaints; UK-specific profile rates better at 4.0. PayPal Pay in 3 product itself scores very well on Smart Money People (4.76). Common complaints relate to frozen accounts, dispute handling, and customer service responsiveness.
Check whether repayments fit your budget
Use Ask Fin to check whether BNPL repayments fit within your monthly budget before taking on new commitments. General guidance only — not regulated financial advice.
Start with Ask Fin — £4.99/monthGeneral guidance only. Not regulated financial advice.
General guidance tools only. Not regulated advice.
Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.
Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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