Can I Add Another Person to My PayPal Account?

by Elizabeth Mott

Whether you use a PayPal account to make online purchases, shop or sell on eBay, or simply to protect the details of your financial accounts from the people with whom you do business, you may want to share your account with someone else. PayPal makes this possible under certain circumstances for people with whom you have specific types of relationships. Some of these situations enable you to determine how much access you grant to the people you include on your account.

Student Account

Technically, the Student account you open for your minor child doesn't add her to your account, but only an adult with a PayPal account can open a Student account, and if your youngster misuses it, you must make good on her transactions. Student accounts are linked to the parent's account and provide you with purchase control, linked access and warnings about big expenses or low balances. You can open as many as four Student accounts on one adult PayPal account with a confirmed bank account.

Business Account

Business owners who conduct their merchant activities under a business name rather than a personal identity can opt for the PayPal Business account, which includes the ability to provide limited account access to up to 200 employees who need to make transactions or refunds. These employees can process payments from customers' bank accounts, debit and credit cards. If you add a free PayPal Here card reader to process card-based purchases on a smartphone, up to 20 employees can use this technology to take payments, either at remote sites or throughout your main location.

PayPal Debit Card

Once you upgrade your Personal account to a Premier account, you can request a PayPal debit card, which you can use in stores or on merchant websites. You also can ask for an additional card for a secondary cardholder, such as a spouse or significant other. Because the card attaches to your PayPal account, you hold full responsibility for any charges made by the secondary cardholder, just as if you had made these purchases yourself. That also means that you're responsible for ensuring that the cardholder follows the PayPal rules. If his transactions turn out to involve banned items or activities, your account may be subject to limits.

Authorized Users

Along with adding a secondary cardholder, you also can authorize another person to use your debit card in person at a retail store or its identifying number and details to make an online purchase. Unlike the additional cardholder, this authorized individual doesn't become a permanent addition to your account, but you retain full responsibility for the costs associated with his purchases. As in the case of the secondary cardholder, you must assure that anyone you allow to use your PayPal account follows PayPal's policies on acceptable purchasing activity.

About the Author

Elizabeth Mott has been a writer since 1983. Mott has extensive experience writing advertising copy for everything from kitchen appliances and financial services to education and tourism. She holds a Bachelor of Arts and Master of Arts in English from Indiana State University.

Photo Credits

  • photo_camera Jack Hollingsworth/Photodisc/Getty Images