PayPal Working Capital

What it does

• Online checkout and payment acceptance
• Money transfers and remittance
• Invoicing and payment links
• In-person payments and POS
• Buy now, pay later installment payments
• Embedded payments for platforms and marketplaces
• Business lending and debit cards

Category

Lending, credit and underwriting

Built for

Financial services and insurance

Users

Consumers, Small and medium businesses, Enterprises, Platforms and marketplaces

Public API

Not offered

Not yet disclosed: deployment options, platforms, languages and support channels.

Pricing

• Free plan$0

Prices as published by PayPal, checked Oct 2026.

Security and compliance

As reported by PayPal. Ask for audit reports before you buy.

• PCI DSSCompliant

• Payment encryption
• Full financial information not shared with merchants
• Buyer Protection
• Seller Protection
• Fraud Protection Advanced
• Chargeback Protection

Reviews

• 

  Buy a Home

  by Chestnut Mortgage

  Purchase mortgage loans with flexible down payment options, underwritten pre-approvals, and an AI-powered process designed to help borrowers close on time.

• 

  BNPL

  by Pier Finance, Inc.

  Enables companies to offer point-of-sale financing to customers with built-in compliance guardrails.

• 

  Online Application

  by Casca

  Digital loan application optimized for web and mobile, simplifying intake and data capture for business loans with real-time validation and processing.

• 

  Heron Enrichers

  by Heron Data

  Enhances parsed data with third-party APIs, internal logic, and industry databases including risk scores, merchant IDs, NAICS codes, and address validation.

• 

  PathPilot

  AI agents for lending operations covering onboarding, collections, and servicing.

• 

  Sivo Embed

  by Sivo

  Embedded credit and liquidity APIs for platforms to offer instant capital and cash flow directly inside their product.