Also known as: PayPal; PayPal Credit; PayPal Pay in 3
PayPal UK Ltd is the current FCA-authorised UK entity for PayPal's consumer-facing services following the November 2023 transfer from the Luxembourg-based European entity. PayPal Credit is a regulated revolving credit product. PayPal Pay in 3 is an unregulated BNPL product; the FCA secured a voluntary undertaking from the predecessor entity (PayPal Europe S.à r.l. et Cie, S.C.A.) on contract term fairness under the Consumer Rights Act 2015.
Want to feel clearer about your money?
Ask Fin gives you simple tools for budgeting, spotting savings, checking possible benefit areas, exploring income ideas and building better money habits. General guidance only — not regulated advice.
Start with Ask Fin — £4.99/monthMain 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 and social proof
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.
Ask Fin gives you simple money tools for budgeting, spotting savings, checking possible benefit areas and building better money habits. General guidance only — not regulated financial advice.
Start with Ask Fin£4.99/month. Cancel anytime.