How to Switch Your PayPal Payment Method for Automatic Payments and Subscriptions


When you use PayPal to send payments or buy online, it is not confined to a linked bank account or card. Here’s how to change your preferred payment method for automatic payments and subscriptions.

Navigating PayPal settings can be confusing. You sign in to change your payment method for your monthly subscription box, but the way to do it is not immediately clear. Finally, you will find the option "set as preferred", click on it and forget about it until next month … when PayPal pays with the wrong credit card again! What happened?

When uses PayPal to send payments or purchases online, it is not limited to a linked bank account or card. Adding several credit and debit cards, in addition to your bank, to your PayPal account, is optional, but gives you the freedom to choose your payment method at the time of payment. So how can you manage what payments come out of which account? And how does your payment method change when it comes to subscriptions or other recurring payments? It is possible to do so without having to cancel and restart any subscription, but the PayPal interface does not make it too obvious, especially when it is in the application.

PayPal uses your cash account first

If you have money available in your Cash or Cash Plus account, PayPal uses this balance first and there is no way around it. Due to the new regulations that came into force this year, the only way to keep money inside PayPal after March 2019 is to link a Cash or Cash Plus account. If I had a balance at the end of March, PayPal would have created one of these automatically. If not, PayPal will give you the option to create one if, for example, someone sends you money and you choose the option Keep it in PayPal . Once you have set up a cash account, you will have money when you receive a payment through PayPal or add money (either by transferring it from your linked bank, adding cash at a participating store or changing a check). through the application) and do not transfer it.

 PayPal account balance with Cash Plus account

Again, maintaining a balance in this way is optional, but if you have one, PayPal will use it before move to linked cards or bank accounts, even if you set them as default.

After your balance, PayPal uses your preferred method of payment

If you never set up To obtain a balance account, or if you do not have a balance available, PayPal uses "your preferred method of payment," which is Your default backup payment method. Changing this setting affects the main financing source for any payment agreement you make in the future. However, it does not alter the payment method you are using for existing subscriptions or payment agreements that you have already authorized, such as an online retailer that you have previously purchased. If you need to change an existing payment method for a particular subscription or store, from, for example, your credit card to your checking account, you will need to dig a little deeper.

Please note that you have limited access to settings through the PayPal application. To make the following changes, log in to PayPal in a web browser (either desktop or mobile).

Changing your preferred payment method

First, let's see how to change your default backup payment method for any New payment arrangements you make in the future. Keep in mind that PayPal will continue to use the money available in your PayPal account balance first, regardless of the choice you make here.

From your browser window, log in to your PayPal account (make sure you are using two factors). authorization for extra security while you are at it). Then, click on the Portfolio tab.

 Click on the Wallet tab in PayPal

You will see a list of the payment methods you have linked to the left. Click on the one you want to set as default and then click Set as preferred . You will notice that a check mark icon appears to confirm your choice, and PayPal will also send you an email to inform you that a change was made. Finally, PayPal allows you to change your mind when you register at an online store, so your preferred payment method is not written in stone.

 Set your preferred payment method

Read if you need to change the source of financing for pre-authorized or recurring PayPal payments, which must be modified individually.

Change of payment method for subscriptions and automatic payments

Again, access PayPal in your browser. Log in to your account, then click on the gear icon at the top right of the page to access your account settings.

 PayPal Click on the gear icon

Then, click on Payments tab .

 PayPal payment tab

Once on the Payments page, click the Manage automatic payments [19459358] button.

 PayPal Click Manage automatic payments

You will see the merchants that you have authorized on the left side. Click on one to see the payment activity, the invoiced amounts and even the contact information in addition to the payment method you are using. You can also cancel accounts from this page.

Next, click on the edit icon and choose the way you want to pay that seller. Then, if you are paying a merchant in a different country, you have the option of clicking conversion options to change the way PayPal handles the currency conversions that must occur.

 PayPal Click Edit Payment Icon

Help! My merchant is not in the list

Try clicking on the radio button Show inactive in case you have previously canceled the account you are looking for.

Or, click Approved payments link as it may appear instead. Once you find the merchant here, click on it to go to Billing Details, where you can make changes.

 PayPal Show inactive and manage previously approved payments


You can switch between available funding sources as often as you want, and it is a process Easy once you know where to look. It is especially convenient to make changes directly through the PayPal automatic payment center instead of jumping around your online retailer accounts. And if there is a problem with the payment method you chose as your principal, PayPal will use one of its other available banks or cards. With this kind of flexibility, it makes sense to use PayPal to buy subscriptions and more.

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