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Paying PayPal with Your Credit Card

Paying PayPal with Your Credit Card

PayPal is widely used for online transactions and in eCommerce.

At Breadnbeyond, we select PayPal as our payment processor and Xero as our invoicing system.

Buyers who do not have a PayPal account may send a maximum of $4,000.00 USD or the equivalent thereof, for a one-time single transaction using their credit card.

Some countries (and some credit cards) may have lower limits. If the invoice amount is larger than your limit, please notify us and we will split the invoice into smaller amounts.

If you, or your company, don’t have a PayPal account, you can use your credit card (or your company’s credit card) to pay a PayPal-generated invoice.

All payment data is secured and stored on PayPal’s server, we never store nor receive your data.

Wire Transfer and Payment with Wise

Another way to pay us is by wire transfer, which is slower but may be easier and more accountable for you and your organization. If you want to pay us through a bank transfer, please contact our representative for more information.

Watch this video for your consideration:

As an alternative, there’s another payment solution for cross-border transactions. If you are having difficulties paying our PayPal invoice with a credit card, you can use Wise, a low-cost payment option to send money across the world.

Paying our invoices with your Credit Card

Paying our invoice with a credit card is very easy and fast. As a bonus, you may be eligible to get some additional reward points or cashback for your next shopping spree, or Frequent Flyer Miles for your next trip.

Please take a look at our step-by-step guide below to pay your invoice.

1. Check your email inbox for an email that includes the invoice.

receive an email from xero

2. Click the “Pay online” button on the invoice.

Click on Paypal payment button on your invoice

3. If you can’t click it, open the PDF on your browser.

open in web browser

4. If you have a PayPal account, you can easily log in and pay. Otherwise, to pay without creating a PayPal account, scroll down and click on the “Pay with a credit or debit card” link.

Click to pay with Credit Card via Paypal

5. Select your payment option (credit card or debit card) and fill out the form, then click the orange button at the bottom when you’re done.

How to pay with Credit Card via Paypal

Several countries may have limitations from PayPal, which will require you to create an account with them and verify it before you can make a payment. This is entirely up to PayPal’s discretion and it is outside of our control.

When that happens, please understand that it may require several days for you to verify.

Why Do We Use PayPal?

  1. It is A Flexible Way to Shop. Users can set up multiple bank accounts, debit cards, and credit cards to fund their PayPal accounts.
  2. Instant Transfer Process. A user can instantly transfer money to other users worldwide with just a click.
  3. Safety First. PayPal seeks to help keep users’ personal information safe and private using multiple security measures.
  4. Incredibly Convenient and Widely Used. All payment information is stored on the user’s account. It also provides users with an app so they can do transactions anywhere, anytime from the palm of their hand.
  5. Special Discounts. PayPal constantly provides users with unique incentives or special offers from companies like HP, Barnes & Noble, Walmart, Nike, and more.
  6. Easy Xero Integration. Each time a user makes a sale with PayPal, an invoice will be automatically created in Xero from the order.

Creating a PayPal account

If you don’t have a PayPal account, it may be best for you to just create an account and verify it.

You will be able to send a maximum of $10,000.00 USD or the equivalent.

Using AMEX to pay

Regarding AMEX, PayPal accepts AMEX, but the downside of using PayPal is that most of the time they don’t tell us if there are any bounces or failed payment attempts.

At the moment, I can say that AMEX has been a problem for a while, so if you are using AMEX and have an issue with paying PayPal invoices, here’s our recommendation:

  1. Create a PayPal account and verify your AMEX card
  2. Try using another card other than AMEX. VISA and MasterCard work better with PayPal.
  3. If you want to add more than one credit card to your PayPal account, you may need to call PayPal to do so. PayPal default is only one credit card per account, and they will need extra verification to allow you to add more cards

Other scenarios that might cause issues with PayPal

If you have tried everything and PayPal still denies your credit card, let’s see what are the other possibilities:

  1. Your credit card doesn’t work well with PayPal (you can try another credit card)
  2. You are traveling, PayPal recognizes that and puts a safety guard against stolen cards
  3. You are using VCC (Virtual Credit Card), delete that card from your PayPal account
  4. You need to verify your PayPal account and your credit card
  5. Your credit card has reached its maximum limit (most likely not the case)

If any of these happens, please double check:

  1. If you have made a PayPal account
  2. If you have verified your PayPal account and your credit card
  3. If you have tried using another card, call a PayPal representative

PayPal has a tendency to mask its error code, and only display a very vague error message, like “We’re sorry, but we can’t send your payment right now”

something went wrong with your paypal

There are a few ways to solve this issue, but first of all:

Please check your profile and if the address doesn’t match your credit card billing address, replace it with a new address.

If it doesn’t solve the problem, see below.

  1. See your profile and if your credit card is a VCC (Virtual Credit Card), please delete the card and replace it with a new card. You may want to consider withdrawing all your money at PayPal if you are using VCC because PayPal may limit your account without any notice. If it doesn’t solve the problem, see below.
  2. If you have enough PayPal balance to pay the invoice, you can delete all the credit card information (you can add them again later), and PayPal may just work. If it doesn’t solve the problem, see below.
  3. Call PayPal and ask for help.

Paying with a PayPal balance

If you already have a PayPal account with enough balance to pay, it would be very easy for you.

Tips to Secure Your PayPal Transactions

Online payment is convenient. But, to stay secure, make sure to think before you click.

  • Keep your security software updated
  • Set a strong and complex password
  • Avoid using public Wi-Fi
  • Deal with reputable websites only
  • Always read the fine print and make sure you understand the payment policies

Adding a new credit card or bank account

Adding a new card or bank account to PayPal can be tricky. If you found this message on when you are checking out, then you may need to log in to your PayPal account and contact a PayPal representative to temporarily open up your account, to enable you to add another credit card.

The same thing happens if you are going to add a bank account for a withdrawal.

adding a new card on PayPal

This is a safety precaution that was added to avoid someone from using a stolen credit card. Although we’re not working for PayPal, we understand that with this safety precaution, paying invoices will be easier.

Bonus: Avoiding Chargeback or Dispute on PayPal

Disputes may arise due to disagreements or miscommunications between the buyers and sellers.

However, there are some cases where we receive chargeback requests because the card owner doesn’t know that the card is being used to pay for our services. This may happen if the CEO’s credit card is being used for transactions instead of using the company’s credit card, and then the card owner ‘forgot’ about this transaction, and request a chargeback.

In this case, we will need some time to reverse the charge. And the card issuer may be charged as much as $100 for the chargeback fee and another service fee.

If all these don’t work for you, no worries!

Just ask us for help.

Paying with Cryptocurrencies

Understanding the growing demand for optionality and convenience, we accelerated our focus on leveraging technology to the next level. 

Other than PayPal and Credit Card, we also accept digital currencies as a payment method. You can select USDT (USD Tether) and other widely used cryptocurrencies.

Our clients around the world can now take advantage of paying at Breadnbeyond in cryptocurrencies due to the speed and security of payment using digital wallets. If you are interested in paying with cryptocurrencies, please contact us.

Need Help With the Payment?

We’re Here to Help You Complete the Payment Process

Let's get it started. Our customer service is ready to walk you through the whole process of payment using your credit card.

PS: As this is so very critical to our further success — and therefore yours — I need to reiterate my request to please not download our videos and then upload them to your site claiming that they are yours without our prior consent.