These cards can be found at CVS, grocery stores, gas stations, and other stores. They have a similar look and feel to the Vanilla Reload Cards, but these can only be loaded to your PayPal account. They do have the same $3.95 activation fee per card. Here is the front and back of the PayPal My Cash Card:
Here is a copy of my receipt showing the $3.95 fee. I was able to use my credit card to pay for the purchase.
You will need to go to https://www.paypal-cash.com/ and click the yellow PayPal Access button to get started.
Enter your PayPal account login information.
The PayPal My Cash Card has a $500 daily reload limit and a $4,000 calendar month reload limit. Scratch off the back of the PayPal My Cash Card to reveal the 10 digit PIN and enter that into the text box.
Double check that the amount is correct and click the Yes, Load It Up button (such enthusiasm from PayPal).
Here is the confirmation screen showing the details of your recent reload. It will also show you how much more you can load that day ($0 for me) and how much more you can load that month ($3,500 for me). If you have another PayPal My Cash Card, you can load it to a different PayPal account or try again the following day.
Before loading the PayPal My Cash Card into my PayPal account, I had a current balance of $372.50.
After loading my PayPal My Cash Card, my PayPal balance went up $500 to $872.50.
Here is the reload details, it even knows that you bought the PayPal My Cash Card at CVS.
You will also receive a confirmation email of your recent PayPal My Cash Card reload.
That’s it. If you have a PayPal Business Debit Card, you can use that card to reload your Bluebird Card ($400 daily debit transaction maximum) or you can earn cash back by loading your Bluebird Card online (link).
If you have any questions, please leave a comment below.
First of all, you can load a total of $8,000 per month on 2 Paypal accounts if you have a personal and business Paypal account. Also, I’ve been wondering about the Paypal logos on Vanilla Reloads and Moneypaks. Paypal is also present on the list of compatible prepaid debit cards on Reloadit’s website. Can you load a Paypal account using any of those 3 types of reload cards, and earn 1% back for liquidating it?
I am not sure, I’ve never tried. I’ve only ever bought 3 PayPal My Cash Cards, so I am not sure what you can/cannot do.
So the key to unloading your Paypal account is to have the Paypal biz debit card? Then you can load BB at WM, and I suppose you can link the debit card to your BB account and withdraw funds (up to $100 a day) that way too?
Any requirements for getting a PP biz debit card? I assume you have to have a biz PP account, but how can you tell if you’ve got that?
Thanks.
Also was poking around my paypal account and it has an option to add funds from GreenDot reload cards. I’ve seen a pile of these at my local CVS’s too!
Those might work, if they have a 10 digit PIN they should be able to be loaded to your PayPal account.
A PayPal business or premier account should qualify for the PayPal debit card. Basically if you can accept credit cards, you have 1 of those accounts. They should be able to upgrade a personal PayPal account or you can create a separate. I have a personal and business PayPal account.
Yes, you can load at Walmart, but you won’t earn cash back. But when you load $100 increments online, you will earn cash back.
I just got the pp business debit card but I don’t kno how to take money off the card it says I have a $3,000 spendin limit and $400 atm limit how do u touch that money lol..?
The $3,000 spending limit is a daily spending limit, but you can only spend as much as you currently have in your PayPal account. You can also do $400 in ATM withdrawals per day.
Grant,
So what can you do with a payal account and I always don’t like to work with paypal because I am worry that they freeze your account…
If you play it safe, you should be fine. Things not to do:
1 – load up your PayPal account and immediately transfer the full amount to another PayPal account.
2 – load up your PayPal account and immediately withdraw/transfer the full amount to your bank account.
If you don’t do either of those 2 things, you should be fine. Plus, my 9+ years PayPal reputation should be enough to get me out of some jams.
Grant,
What about billpay? Can you do billpay with paypal? Also, you mentioned each month can do 4k, so do you withdrawn in increment?
You should spend it with ATM withdraws and debit card purchases. I would withdraw more than half. PayPal will close your account if you are taking advantage of their system.
Why would you withdraw more than half? Are you saying it looks like you are taking advantage of the system if you use it to make purchases mostly (instead of withdrawing the money at an ATM)?
PayPal has a short fuse, if they think you are taking advantage of the system, they will freeze your account.
We do business though ebay and paypal is our only form of payment receipt. We get a tax form at the end of the year. Will this be looked at as income?
You will probably pay taxes on your net profit, as reported by Ebay.
Depending on the business you’re in, what funds you’re using to purchase your PayPal cards, and how you are using the funds once they’re in PayPal, you can deduct payments received this way from your 1099 as a business deduction. Just make sure to keep your records in order. However, it’s a bad idea to use your business PayPal account if the source of the funds is from your personal finances, especially if you’re generating any sort of profit from this and/or the transactions or withdrawals that you later make are for personal purposes. Just open a personal Paypal account instead.
Thanks for the tip Shogo.
Can you use these my cash cards at the ATM?
You can load them to your PayPal account and use your PayPal Debit Card to withdraw up to $400 a day at ATMs.
hi Grant, when you withdrew money from your PayPal Debit Card at any ATM, does Paypal and/or bank ATM takes some fee??
Yes, I believe PayPal charges $1.50 and whatever the ATM owner charges you. However, if you use the card at a Post Office or grocery store, do the purchase as debit and ask for cash back. That should be free.
If you transfer the money immediately to your bank account just one time, will they freeze it? Is it possible to just use this method (buying a paypal card with credit card and then transferring the money to bank account) instead of using vanilla/bluebird? Or, if I’m constantly transferring money out they’ll freeze my funds? Thanks!
You might be able to do this a few (2-3) times, but PayPal will shut you down pretty quickly. Unless you have a long history with PayPal and use their service with Ebay and other websites, I wouldn’t recommend doing this for long.
Thank you! This is helpful :)
Can you please make a video because I tried loading my cash card to my Paypal account but it just don’t have the options
You are having trouble loading a PayPal My Cash card to your PayPal account?
So the best way to unload is by mixing it up, but cash back at grocery stores is best? Maybe send some to a spouse to withdraw to bank, pull some into your own bank, some thru an ATM….what else would work? Pulling out 4k a month at grocery stores could take awhile…
I wouldn’t try to max out the PayPal loads or withdrawals. If you do $2,000 or less per month, that should be fine.
Also this could be used at walgreens to purchase VR right? If the PP card has a pin, it should work….?
Where are you purchasing the My Cash cards now since CVS won’t allow cc purchases anymore?
I have tried to buy them at CVS in the last week. If they are cash only I won’t lose sleep, just stick to buying OVGCs.
Sorry – OVGCs? What is that? I’m in a bind & need to buy a Paypal Cash Card with credit. CVS said no.
OVGCs = One Vanilla Gift Cards. Try another CVS store or see if any local gas stations will sell them to you with a credit card.
how can this be used to buy stuff online? when I choose the paypal option they always ask for a debit card number. Help!
If you have a PayPal balance, that will always be the first payment option.
Grant — does CVS still allow you to use a credit card to purchase these since they stopped allowing the VRCs to be purchased with a credit card? If so, how do you take advantage of the $1,000 debit load per month on BB while still earning points?
I use my PayPal Debit Card that earns 1.5% cash back for those online reloads. Free $15 every month.
I tried adding the card to my account but I am getting an identification error? Please help me out
You cannot transfer the balance from your PayPal My Cash Card to your PayPal balance?
Yes exactly. I get an identification error when I try to.
Hmm that is strange. Call the number on the back of the PayPal My Cash Card and see what’s going on with the card.
I had the same problem and it took me forever to resolve it. They are totally unhelpful over the phone. Check to make sure your PayPal business debit card does not have a security block on it for unverified payments. Click on Profile, then click on “my selling tools” then click on “update” next to “Block payments”. Choose “ask me” for whether to block payments from items not sold on Ebay. The payment will now show up on your Paypal overview page and you can click accept to apply the funds. I hope this was helpful :-).
Already tried that. Is it because I haven’t provided proof of my I.D. And Social Security #?
I’m not sure, are you saying your PayPal account isn’t verified yet? Call PayPal and see if they can look into the problem.
Hi, i bought a PayPal my cash card and i went to paypal.com/cash and logged in. Once i press the log in button it just loads and takes me to the main page. I would appreciate if you coul help me
In the upper right corner is a yellow button that says load funds. The rest of the steps should be easy.
Hi Grant,
Do you know how to calculate the load time?
Let say I used up my monthly limit on June 30, 2014 – When will I be able to load again?
It certainly not July 1st because I checked and my limit still zero.
It might be on a rolling 30 day period. I’m not 100% sure.
In order to get a Pay Pal debit card, you have to have a Pay Pal business account right? And that has a monthly membership fee?
Is it possible to instead get a Pay Pal Prepaid Mastercard? That way I would be able to buy the My Pay Pal with credit card and use the Pay Pal prepaid card to load Bluebird?
Thanks!
I believe you need a PayPal Business Account or a PayPal Premier Account. Neither account has a monthly membership fee. The only difference from a personal account is that you can accept credit and debit cards into your PayPal account, but you will pay the 2.9% plus 30 cent transaction fee. If your friends or family members are paying via bank transfer, echeck, or PayPal balance, you will not pay any fee.
The PayPal Prepaid MasterCard will not work if your goal is to load funds to Bluebird or Serve. You can use a credit card to buy PayPal My Cash Cards at CVS with a credit card though. Let me know if you have any other questions.
Ok, just so I am completely understanding. I can buy a PayPal My Cash card with a credit card and then use a debit card associated with either a business account or premiere account to then load it to my bluebird? And, my account won’t be flagged for that?
Hmm, that will work, but there is no guarantee that PayPal won’t flag your account. PayPal doesn’t make any money when you add funds to your PayPal account and withdraw funds with a PayPal Business Debit Card. I would tread lightly. You are better off loading your Bluebird Card with the PayPal Debit Card online. That will earn 1% cash back, whereas the other method won’t earn any cash back since it is a Debit transaction (PIN required).
If I were to load my paypal balance with the MyCash card for $300 and immediately spend the amount on a foreign transaction, will my account be flagged or limited? Or should I spend half one day and then the other half the next?
PayPal might be suspicious. I would call the number on the back of the card before making a large international purchase or ATM withdrawal.
Thanks! once the funds are loaded, can i use them immediately or is there a waiting period of some kind?
No waiting period, you can use the funds immediately.
Could this be used to purchase money orders $1k at a time? Or is that a good way to get flagged?
Hmm, I wouldn’t do that often. PayPal doesn’t make any money when you do debit transactions. Try to throw in some credit transactions.
hey grant, i got a question, is there any other way to liquidate your paypal account beside sending it to BB/Serve ($1000/1500 per month) send money to a friend?? I know i can withdraw from ATM machine, but i don’t know how much they charge for the fee and i don’t usually go to WM to buy MO since it’s far for me.
thanks in advance.
I load my Chine Card with my PayPal Business Debit Card. You can do $100 per day, so $3,000 per month. I unload at Walmart afterwards.
What is a chine card?
is it chime card???
Read this post for more info: http://travelwithgrant.com/how-to-guides-cash-back/chime-card-cash-back/
It is an interesting prepaid, reloadable debit card.
so you’re loading from PP Business Debit to Serve and Chime at the same time?
Yes I do both. Then I unload Chime at Walmart to Serve.
im under 18 can i still use this mycash paypal?
If you have a PayPal account (AJ your parents or sibling to set one up that you can use). Might be hard to buy PayPal My Cash Cards with a credit card if you are under 18 though.
I haven’t been able to find any Paypal My Cash cards at CVS this month. Do you know if they’re still carrying them? If not there, can you buy them with a credit card somewhere else?
I noticed that too, I have been able to buy them at Walgreens, but haven’t tried in the last few weeks.
Is it actually safe using the mycash card though? Paypal wants me to supply SSN and I’m not really comfortable giving that information out…
You do not need a SSN to buy a PayPal My Cash Card. If you are talking about opening a PayPal Business Debit Card or a PayPal Extras MasterCard, you will probably have to supply your SSN to get approved. If you do not feel comfortable giving out that information, you do not need either of those cards.
I have used this method 3 or 4 different times now by buying at my local walgreens with no problems. However, I’m going out of town for a few days and will need to purchase the card at another walgreens in a different state. Is it possible their policy might be different and won’t let me use credit?
Yes, it is very possible their policy is different. From a store point of view, the cashier/manager might say no credit cards allowed. If you can convince them to try paying with a credit card, the purchase should get approved. Of course YMMV.
Any other places with possible success besides cvs and walgreens? My local walgreens just this time is now saying no credit can be used :/
You have to try back and get a different cashier. Maybe Rite Aid or some other pharmacy.
Very informative post & also Q&As. Interested in different unloading methods. Is there a limit on asking for cash back while shopping at grocery? Can I use my paypal debit card to buy money orders or load bluebird at walmart? I sell lots of items on ebay & I’m constantly withdrawing my paypal funds (like 2-3 times a week cos I don’t like money sitting around here). Will I be fine if I withdraw the funds to bank acc after my cash reload? Please share other simple unloading methods.. Thank you
Yes, I think if you mix all those “unloading” methods together, you will be fine. Since you sell on Ebay, I think PayPal’s tolerance for withdrawing is much higher. I have been using PayPal for almost 10 years, so I have a really good history/relationship with them :)
I’ve been to 4-5 locations where they sell these types of cards. CVS, Riteaid, Walgreens…..none will let you add money to it with a credit card. They say it’s against policy. So frustrating.
That is a bummer Samantha, you just have to find a cashier/manager that is willing to give it a try.
One CVS location only had vanilla and green dot cards and they tried to load those for me but there wasn’t a credit card option. They said they recalled that some prepaid cards could be loaded with a credit card, but didn’t remember which. Another CVS had the PayPal MC re-loadable and she said they couldn’t load any prepaid cards with credit cards as a CVS policy.
Keep trying back at different times. You might find a cashier who is willing to help you.
How to reload paypal my cash card , i mean where to reload my cash card i dont want to reload from any credit or devid card , or from any bank account . U guys know any cash places where they take cash nd will reload paypal my cash card ? is there Anyone reloaded pp my cash card with cash from any place ? anyone pls hlp !!!!!!! Thx
Jamil, you can’t reload a PPMCC. You can load funds onto a PPMCC and load those funds to your PayPal account. Do you have a PayPal Business Debit Card?
Thk u sooo much . So i cant reload ppmcc anyway not either cash ???? I dont hav pp business card .
I’m still trying to figure out what you want to do. Do you want to load a new PayPal My Cash Card (white cards with $3.95 fee)?
I loaded ppmcc and i spented now can i reload that ppmcc again with cash ?.or i cant .
You will have to purchase a new PPMCC, they are not reloadable.
Oh i see , thank u sooo much ☺
damn wish I had read this before I maxed out my Discover bonus at Walgreens. already have my PayPal business debit card but just haven’t known what to do with it yet. I have 2 bluebirds so I’m happy to hear about the 1% for loading online….can’t wait to get my first card and try it out! also waiting for my time card in the mail excited to try that out as well :). thanks for being so patient and answering everyone’s questions this is good stuff
Better late than never :)
I haven’t run into any gas stations or grocery stores that sell PayPal My Cash cards, only drug stores.
Are you specifically aware of any? I’d like to diversify my credit card spend if possible.
Thanks in advance for any suggestions.
I only buy them at CVS and Walgreens. I know some gas stations and convenience stores sell the too.
Do I have to provide more information to even put my money in from my PayPal my cash
You just need a PayPal account. No other info is necessary.
Ok so I was thinking of buying something online and I seen PayPal is the best way but I’m not close old enough to have a bank account im 16 years old and in order to have a account with credit card/bank account you need to be 18 years and older so what im trying to say is that prepaid cards works fine but does PayPal prepaid card work for me like I put the money into my account and just order and use it without any problems?
Even if you can buy a PayPal My Cash Card, you will have to load funds to your PayPal account. If you are shopping on eBay, you can get an eBay gift card from many stores. You might need to use a PayPal account of someone 18 years or older.
Hey Grant, this is all very interesting. I recently just started to take advantage of the credit card/collecting miles and points thing and im super interested to learn more ‘unloading’ methods. Will doing the following raise any suspicion from PayPal?
Buying $4k worth of PPMCC throughout the month,
Pay rent via PP $500 (landlord accepts PP)
Withdraw via cash back $500 per time every two weeks at grocery stores (I honestly don’t know if $500 is too suspicious)
Also, I read that you wrote “PPMCC -> PayPal account -> Bluebird/Serve Card -> bill pay to credit card that bought the PPMCC” is that really a viable method?
I honestly haven’t tried the above yet except paying my landlord, but I am really curious. Thanks for the help! Sorry for the long post
Good evening Ryan, thank you for the questions. Here are my thoughts:
Thank you for your prompt reply. One more thing, is it a good idea to load Bluebird and Chime to its max limit using PPdebitcard and then withdrawing it from an ATM every month?
You can use your PPBDC to load to your Chime Card, but chime will charge you 2.9% on each load. It is probably not worth the extra cost. If you buy 2 $500 PPMCCs, you will pay $7.90 in activation fees. Loading $1,000 to your Chime Card with your PPBDC will cost you another $29 on top of any ATM fees. Crunch the numbers and see if it makes sense to you. Let me know if you have any other questions.
I was trying to purchase PPMCC today but failed. I was first in Rite Aid but the cashier asked for cash only. I was then at Family Dollar. Cashier is nice but the system does not allow me to use CC. I tried 3 different cards but failed. Does anyone have success recently?
I have success purchasing PPMCCs at CVS and Walgreens with a credit card. I’ve never tried loading at Family Dollar.
Grant, congrats on SF job. You mentioned issues with ppmc. Care to share them here? I’ve had a PP acct for several years and use ebay a couple times a month. Have only been buying 2 my cash cards a month and loading all to serve. Would like to increase but unsure of the sweet spot to avoid issues. What has your levels been?
Thanks Jonny, I am waiting to hear back from PayPal. I spoke with them yesterday and they are reaching out to the account specialists / fraud department that flagged both of my PayPal accounts (personal and biz). Once I hear back from them and clarify my questions, I will share my findings on the blog. Stay tuned!
I made a mistake purchased 2 vanilla reload cards, in hopes of uploading the funds to my paypal account. Can I do this and how?
No, unfortunately not. If you have a Bluebird or Serve Card, you can load the Vanilla Reload Card to one of those cards.
So let’s say I’m buying something for $3000 and I need to pay for it in the next 48 hours..but if there is a limit of $500 a day..there is no way I can do this is there?!??
Thank you
Sasha
Technically you could. You would need to have 3 PayPal accounts and purchase 6 $500 PayPal My Cash Cards. Load 2 PPMCCs to each PayPal account and then send the money to your main PayPal account to pay for your $3,000 purchase. If you have friends or family you trust, you can load the funds to their PayPal account and they can send the payment to your PayPal account.
hi bro
i have one qust
you said for 3000$ in next 2 day must get 3 papyal acc and load up 500$ paypal my cash and after 2day send them to main paypal account
so tell me if i do something like you said paypal get limit on my acc or any flag???
i have business acc but that’s new and i didn’t done any transaction before
It ultimately depends what you do with the funds in your PayPal account after you have combined all the funds into one PayPal account. If you end up paying for an Ebay item with your PayPal funds, PayPal will be very pleased and not flag your account.
hi again
thanks for your kindly reply
i want sell to who need paypal$ maybe all of them to one acc or maybe send to different paypal acc with different amount
i can do that with ppmycash $’s?
I don’t understand your question. Are you trying to buy something online or sell something online?
i’m trying to sell the $!i want exchange the paypal $ for example
you have perfect money and need $ paypal you send me pm and i will send you you paypal $
i hope you get my world’s
PayPal is trouble and I would stay away from PPMCCs.
i m trying to load my account from the cash card but it is showing me a msg……wrong pin 4006…what does that mean
Did you scratch the back of the PayPal My Cash Card and enter the 10 digit code into the https://www.paypal-cash.com/ website?
yes when i have done that then i got this message…..tell me the solution please…
If you enter the 10 digit PIN and get the error message, it sounds like your PPMCC has an issue. I suggest calling PayPal and seeing what is going on.
Can the paypal vouchers be traced? I mean, I want to know if it’s safe to give the code away because I want to buy a bike for my grandson and the seller want’s me to give him the $300 pin number of the card. What should I do?
Get the bike first and make sure it works before you give the code to the seller. I hope you are picking up the bike in person and not ordering it online from Ebay or Craigslist.
Ok, thank you. I’ve sent him $50 so he knows that I’m serious about it. If I call paypal and ask whom loaded the money, can I find out if I still have the cards?
PayPal really has no control over who redeems the PayPal MyCash Cards. I would proceed with extreme caution if you are buying the bike sight unseen. It is really easy to get ripped off if you send the code to someone and you never received the bike, you are totally unprotected.
Thank you again Grant! This really helped. I still have the card actually and they have a code like a credit card. That won’t help either if I call paypal and report if something goes wrong?
I wouldn’t count on PayPal helping you. Good luck with the purchase.
Can this card be placed in a brand new paypal account and sent immediately afterwards?
Sent where?
Hi grant is there a fee if I try to load my pay pal cash card. Or it one time payment of $3.95 to activate it
The $3.95 fee is a one time only activation fee. Loading to your PayPal account is free.
I paid the $3.95 fee then I try to load $400 the next day and they charge me another $3.95
Who charged you the second $3.95 fee?
I have the PayPal App on my iPhone. Every time I try to load cash from my iPhone it does not let me. I assumed it could have been because you can’t have two browsers logged into PayPal at the same time. I cleared my browser history and tried to log into http://www.paypal.com/cash and it still doesn’t let me. Any ideas?
I’ve been able to load PPMCCs with Safari but not Chrome on my iPhone. Does that work for you?
i haven’t been able to load my paypal gift card for a few weeks now ever since they changed the design the website. has anyone else had this problem? i’ve done this hundreds of times over the last couple years and why it isn’t working now-i have no idea…another question-is it possible to get a human being on the phone when call paypal.com/cash’s 800 number?
The PayPal My Cash department is not helpful at all. You can try calling PayPal’s general customer service department and see if they can help you. Strange that your old PPMCC is not working on the new site.
Is the $4,000 monthly limit per calendar month or every 31 days? Meaning, could I load $4,000 the last part of May and another $4,000 the first part of June?
Also, is it possible to make a credit card payment using my Pay pal debit card so that I can get the 1% cash back?
The PPMCC $4,000 reload limit is per calendar month. You won’t earn cash back for a credit card payment using your PPBDC. I wouldn’t recommend doing that since you will probably get a warning email from PayPal.
Thank you SO much for this! I have been trying to figure out how to do this.
You’re welcome. Glad to help.
who has loaded the paypal cash card before because it seems not to work. i have the card but i just want to be sure. i have heard so many complains that it does not work.
Are you referring to the PayPal Prepaid MasterCard or PayPal My Cash Cards?