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PayPal Business Debit Card

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PayPal Business Debit Card Review

No annual fee and 1% cash back on all purchases are attractive features for the PayPal Business Debit Mastercard, though the benefits package can't compare to what you'll get with a high-end business credit card.

    Jason Vissers
  • UPDATED

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

PayPal Business Debit Card

Annual Fee

$0

Minimum Recommended Credit

N/A

Rewards Rate

1% cash back

PayPal Business Debit Card At A Glance

  • Unlimited 1% cash back on all purchases
  • Cash back is automatically credited to your PayPal Business account on a monthly basis
  • $1.50 ATM withdrawal fee

What We Like About PayPal Business Debit Card

  • Card is directly linked to your PayPal Business account
  • Rewards accrue automatically and never expire
  • Instantly transfer funds between your bank account and your PayPal Business account without paying any fees

What We Don't Like About PayPal Business Debit Card

  • The $1.50 ATM withdrawal fee
  • Few business benefits

Jason Vissers

Jason Vissers

Expert Analyst & Reviewer at Merchant Maverick
Jason Vissers has been researching, analyzing, and writing about small business software and finance since 2015. His financial expertise has been cited in numerous publications, including The Ladders. Jason graduated with a Political Science degree from San Diego State University in 2001.
Jason Vissers
View Jason Vissers's professional experience on LinkedIn.



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To learn more about how we score our reviews, see our Business Credit Card Rating Criteria.

2 Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Judith Thomas

    Organization Name: Garden Galleries Botanicals

    When deciding whether to use Paypal’s business debit Mastercard, be mindful of a serious drawback if you need to dispute a charge. Unlike a Mastercard credit card, you cannot dispute a charge until Paypal pays it, even if you ask for the payment not to be made while the charge is still “pending.” Instead, you must wait and watch while Paypal makes the payment, then initiate a dispute and the entity paid then has 7 days to respond to the dispute. If Paypal thereafter finds your dispute worthy, only then will they issue you a provisional credit.

    2
    • Organization Name: Garden Galleries Botanicals

    This comment refers to an earlier version of this review and may be outdated.

    Parker

    Organization Name: Bender Services

    This card is pretty darn terrible. It doesn’t work at many places, especially gas stations and restaurants, so I will be on a trip and become nearly stranded as I have to use personal monies to purchase fuel and then deal with the bookkeeper when I get back and explain how I didn’t do it the right way and turn in receipts and… pain in the… And then I will take a client out to eat or etc and have the embarrassment of being told my card was declined. We have well into six figures in this account, and these are purchases at locations which are in a close radius to the office, and not out of the ordinary, it’s just like they dont want you to be able to use your money.And THEN we had an issue where we had some fraudulent charges so we ended up having to change the number, and with any other company they send you a card immediately… Paypal business? 2-3 weeks. Useless. You have to have a second account somewhere else, so in the end there really is no point. I wouldn’t recommend.

    1
    • Organization Name: Bender Services

    This comment refers to an earlier version of this review and may be outdated.

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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.

Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity. The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author’s alone.

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