If you want to earn online or shop globally, learning how to create a PayPal account in India is essential. PayPal is one of the most trusted platforms for receiving international payments, making secure purchases, and linking to your local bank account in India.
In this detailed guide, you’ll learn every step needed to create, verify, and use your PayPal account in 2025.
Why You Need a PayPal Account in India
A PayPal account helps you:
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Receive freelance payments from platforms like Upwork, Fiverr, and clients abroad
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Shop on international websites like AliExpress or Etsy
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Receive affiliate commissions from global programs
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Withdraw payments directly into your Indian bank account
Requirements to Create a PayPal Account in India
You’ll need:
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A valid email address
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A PAN card (mandatory for all Indian users)
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An Indian bank account with IFSC
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A debit/credit card (recommended for verification)
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A working mobile number linked to your name
Types of PayPal Accounts in India
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Personal Account
Best for freelancers, bloggers, and individuals who need to send or receive money. -
Business Account
Designed for registered businesses and those who need invoicing, multiple users, or integrations with eCommerce platforms.
Step-by-Step: How to Create a PayPal Account in India
Step 1: Visit PayPal India
Go to Paypal’s official website. Click on Sign Up.
Step 2: Select Account Type
Choose Personal Account and click Next.
Step 3: Fill in Your Information
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Your full legal name (as per PAN)
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Email address
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Mobile number (for OTP verification)
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Create a strong password
Click Next to proceed.
Step 4: Enter Your Address
Provide:
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House number and street
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City, State, and PIN code
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Confirm your citizenship (India)
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Agree to PayPal’s User Agreement and Privacy Policy
Click Create Account
Step 5: Enter Your PAN Card Number
This is mandatory as per Indian regulations (RBI). Enter your valid PAN card to verify your identity.
Step 6: Link Your Bank Account
Add:
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Bank account number
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IFSC code
PayPal will send two small deposits within 1–3 working days. You must enter the exact amounts later to complete verification.
Step 7: Confirm Your Email
Open your email inbox and click the verification link sent by PayPal.
Step 8: Optional – Add Debit or Credit Card
This step allows you to make payments or shop online. It’s optional but highly recommended.
Verifying Your PayPal Account in India
To fully activate your PayPal account, make sure to:
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Confirm your email
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Verify PAN card
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Verify your bank account using micro-deposits
This enables you to receive money and automatically withdraw to your bank (as per RBI rules, balances cannot be held in PayPal for Indian users).
Common Issues and Fixes
| Issue | Fix |
|---|---|
| Name mismatch | Ensure name on PAN matches name on PayPal |
| Didn’t receive deposits | Wait 3 days; contact your bank and check messages |
| Account limited | Submit additional documents in the Resolution Center |
| Invalid IFSC | Double-check with your bank or search IFSC online |
Tips for Freelancers, Bloggers, and Creators in India
Many Indian creators use PayPal to:
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Accept payments for services (writing, design, consulting)
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Get affiliate commissions (from Amazon, CJ, Impact, etc.)
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Monetize YouTube, blogs, and eBooks
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Sell digital products on Gumroad, Podia, or Teespring
PayPal is supported by most international platforms, which makes it a go-to for creators.
Important PayPal Guidelines for Indian Users
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You cannot hold a PayPal balance in India. All funds are auto-withdrawn to your bank.
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Always use your own bank account linked to your legal name and PAN.
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PayPal charges currency conversion fees, so calculate total received after fees.
External Resources
Final Thoughts
Now that you know how to create a PayPal account in India, it’s time to set one up and explore online income opportunities. Whether you’re freelancing, creating content, or running a business, PayPal remains one of the most accessible and secure payment platforms globally.
Make sure you follow the verification steps carefully and always match your personal info across documents to avoid issues.