Should I use PayPal

You should consider using PayPal if you shop on international websites or receive cross-border payments in India, but it does not work for domestic payments within India.

• International shopping: You can pay overseas merchants through a linked card without handing them your financial details.
• Freelance payments: Freelancers can receive money from clients abroad in foreign currencies such as USD or EUR.
• Buyer protection: Eligible overseas purchases can be refunded if the item never arrives or does not match its description.

Before deciding, a PayPal overview of its fees and limits in India can help you check whether it matches how you plan to send or receive money.

• Domestic transfers: PayPal cannot be used to send or receive INR payments with people in India, so UPI or local bank transfers are used for those.
• Fees: PayPal charges currency conversion and forex fees, and other services may offer better exchange rates.