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Use this tool to generate a payment file you can use with PayPal Mass Payments. With Mass Payments the sender pays the fee, not the recipient, and the funds must come from your existing PayPal balance. The fee is 2% of the payment amount, with a cap of $1.00 USD per payment. PayPal allows you to send up to 5,000 payments per file. Each payment must be denominated in the same currency. Once created, you can upload the file to PayPal here.

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Mass Payments FAQ

(Much of this information is taken from the PayPal Mass Payments User Guide which can be downloaded here.)

What are PayPal Mass Payments?
PayPal Mass Payments allow you to send multiple payments in one batch. It's a fast and convenient way to send commissions, rebates, rewards, and general payments. You submit the payment information to PayPal in the form of a payment file. PayPal processes each payment and notifies you when it is complete. There are two ways to send your payment information:

1. Upload a payment file directly to the PayPal site.
2. Submit the information through APIs.

How do Mass Payments work?
When a Mass Payments request is executed, PayPal processes each payment in the request. PayPal takes the payment amounts from your account and attempts to put them into the recipients' PayPal account. If the recipients do not have PayPal accounts, PayPal notifies them that a payment is available and they must create a PayPal account to receive the payment. Payments processing can take from a couple of minutes to several hours, depending on the number of payments you are processing. When the payments have been sent, PayPal sends you a notification email. You can then log in to your PayPal account and get the details of each

transaction. PayPal holds the mass payment amounts for 30 days. If a payment is unclaimed after 30 days, the money is returned to your account.

How Do Recipients Get Their Money?
Every recipient receives an email notifying them of the payment. There are three scenarios for recipients.

1. Recipients with a PayPal account tied to the email address that contains the payment notification can click a link in the email message, log in to their account, and access their payments.

2. If the recipients have a PayPal account, but the payment is sent to an email address that is not tied to their account, they are offered an opportunity to log in to their account. Then, when they log in, the money is deposited to their account and the new email address is added to their account automatically.

3. If the recipients do not have a PayPal account, their email message contains a link that directs them to a PayPal sign-up page. The sign-up process automatically confirms their email address. When they complete the sign-up process, the money is available in their new PayPal account.

Who Can Use Mass Payments?
You must have a PayPal Premier account or Business account, and it must be a verified account, before you can use Mass Payments. If you have multiple users for your PayPal account, you can grant access to one or more authorized users to have them send Mass Payments for you. For example, you can grant Mass Payments access to your bookkeeper or to your customer service agents as part of their duties.

How do Payment Files work?
You must create a payment file to send Mass Payments. A payment file contains recipient and payment information. Mass Payments lets you send up to 5,000 payments in one batch. You can create a payment file using a notepad application, a spreadsheet application such as Microsoft Excel, or a database application. PayPal supports payment files with the following extensions:

  • .TXT (Text, tab-delimited)
  • .CSV (Comma Separated Value)
  • .DAT (Text, tab-delimited)

Each line in the payment file represents one recipient and at minimum must contain the recipient's identification, the amount to pay, and the currency type.

What information does the Payment File contain?
The payment file contains the following information:

1. Recipient (Required)
Unique identifier for the recipient, one of the following:
  • Email address
  • PayPal account ID
  • Telephone number (The telephone number is the user's mobile number.)

2. Payment Amount (Required)
Amount of the recipient's payment.

3. Currency Type (Required)
Three-letter currency code.
NOTE: Payments in different currencies must have separate payment files.

4. Customer ID (Optional)
Unique identifier. It has a 30-character maximum and cannot contain any spaces.

5. Custom Note (Optional)
Additional information to the customer.

Can my Payment File contain multiple recipient types or currencies?
No, you can only have one recipient type and one currency type per payment file. If you need to send Mass Payments to some recipients with email addresses and some with PayPal account IDs, you must create separate payment files for each type. If you need to send Mass Payments with multiple currency types, you must create separate payment files for each currency.

Is the Currency Type Code case-sensitive?
No, currency type codes are not case sensitive. For example, both usd and USD codes are acceptable for U.S. Dollars.

Can I send Mass Payments using any currency?
In general, you can send Mass Payments using most currencies. However, there are a few countries that place limitations on how their currency can be used or exchanged. If your Mass Payment request does not comply with the currency restrictions of your country, that portion of your Mass Payment request will fail and you will get an error message describing the issue.

Which are the country and currency restrictions?
If you are a PayPal account holder in a country with currency restrictions, make sure that your Mass Payment payment file contains requests that meet your country's requirements. If any of the payment file entries do not comply with the country's restrictions, those entries will fail with an error message. The remaining payment file entries will be processed, assuming that there are no other errors in the file.

Countries with restrictions:

Brazil (Currency Code: BRL)
Brazilian users can:
  • Send payments in BRL only to other Brazilian users.
  • Send payments in other currencies only to those outside Brazil.
Brazilian users cannot:
  • Send payments to other Brazilian users in a currency other than BRL.
  • Send payments that result in currency conversion to or from BRL.
Non-Brazilian users cannot hold currency balances in BRL.

Malaysia (Currency Code: MYR)
Malaysian users can:
  • Send payments in MYR only to other Malaysian users.
  • Send payments in other currencies to all users, including those in Malaysia.
Malaysian users cannot:
  • Send payments that result in currency conversion to or from MYR.
  • Send MYR balances to non-Malaysian users.
Non-Malaysian users cannot hold currency balances in MYR.

How can I fund a Mass Payment?
You can only use money from your existing PayPal balance for Mass Payments. Your PayPal account must contain enough funds to cover the total cost of the Mass Payments request. Your PayPal balance must be in the same currency as your Mass Payments request.

How can I review Mass Payment transaction details?
You can review your Mass Payments transaction details immediately after it has been submitted. The last page in the Mass Payments process includes a link to access the information. If the status of the transaction still shows as "Submitted", you need to wait for the status to change to "Processed" or "Completed" to see the number of unclaimed payments. Give the process additional time, and check back later.

Is there a fee to send Mass Payments?
PayPal charges the sender a 2% fee for each payment with the fee capped at a set amount in your primary currency.
Mass payment recipients pay no fee regardless of the type of PayPal account they have.

Currency Sent InMaximum Fee
Argentine Peso (ARS)3.00 ARS
Australian Dollar (AUD)1.25 AUD
Brazilian Real (BRL)2.00 BRL
Canadian Dollar (CAD)1.25 CAD
Czech Koruna (CZK)24.00 CZK
Danish Krone (DKK)6.00 DKK
Euro (EUR)0.85 EUR
Hong Kong Dollar (HKD)7.00 HKD
Hungarian Forint (HUF)210.00 HUF
Israeli New Shekel (ILS)4.00 ILS
Japanese Yen (JPY)120.00 JPY
Malaysian Ringgit (MYR)4.00 MYR
Mexican Peso (MXN)11.00 MXN
New Taiwan Dollar (TWD)33.00 TWD
New Zealand Dollar (NZD)1.50 NZD
Norwegian Krone (NOK)6.75 NOK
Philippine Peso (PHP)50.00 PHP
Polish Złoty (PLN)3.00 PLN
Pound Sterling (GBP)0.65 GBP
Singapore Dollar (SGD)1.60 SGD
Swedish Krona (SEK)9.00 SEK
Swiss Franc (CHF)1.30 CHF
Thai Baht (THB)36.00 THB
Turkish Lira (TRY)1.50 TRY
U.S. Dollar (USD)1.00 USD

Furthermore, if you are registered in China or Hong Kong and you are sending a Cross-Border Mass Payment these fees will apply:

Currency Sent InMaximum Fee
Argentine Peso (ARS)150.00 ARS
Australian Dollar (AUD)60.00 AUD
Brazilian Real (BRL)100.00 BRL
Canadian Dollar (CAD)60.00 CAD
Czech Koruna (CZK)1000.00 CZK
Danish Krone (DKK)300.00 DKK
Euro (EUR)40.00 EUR
Hong Kong Dollar (HKD)400.00 HKD
Hungarian Forint (HUF)15000.00 HUF
Israeli New Shekel (ILS)200.00 ILS
Japanese Yen (JPY)5000.00 JPY
Malaysian Ringgit (MYR)200.00 MYR
Mexican Peso (MXN)750.00 MXN
New Taiwan Dollar (TWD)2000.00 TWD
New Zealand Dollar (NZD)75.00 NZD
Norwegian Krone (NOK)300.00 NOK
Philippine Peso (PHP)2500.00 PHP
Polish Złoty (PLN)150.00 PLN
Pound Sterling (GBP)35.00 GBP
Singapore Dollar (SGD)80.00 SGD
Swedish Krona (SEK)400.00 SEK
Swiss Franc (CHF)50.00 CHF
Thai Baht (THB)2000.00 THB
Turkish Lira (TRY)75.00 TRY
U.S. Dollar (USD)50.00 USD

How much money can I send?
There is no limit on the total amount of the mass payment. Each individual payment is limited to the following:

Currency Sent InMaximum Amount
Argentine Peso (ARS)30,000 ARS
Australian Dollar (AUD)12,500 AUD
Brazilian Real (BRL)20,000 BRL
Canadian Dollar (CAD)12,500 CAD
Czech Koruna (CZK)240,000 CZK
Danish Krone (DKK)60,000 DKK
Euro (EUR)8,000 EUR
Hong Kong Dollar (HKD)80,000 HKD
Hungarian Forint (HUF)2,000,000 HUF
Israeli New Shekel (ILS)40,000 ILS
Japanese Yen (JPY)1,000,000 JPY
Malaysian Ringgit (MYR)40,000 MYR
Mexican Peso (MXN)110,000 MXN
New Taiwan Dollar (TWD)330,000 TWD
New Zealand Dollar (NZD)15,000 NZD
Norwegian Krone (NOK)70,000 NOK
Philippine Peso (PHP)500,000 PHP
Polish Złoty (PLN)32,000 PLN
Pound Sterling (GBP)5,500 GBP
Singapore Dollar (SGD)16,000 SGD
Swedish Krona (SEK)80,000 SEK
Swiss Franc (CHF)13,000 CHF
Thai Baht (THB)360,000 THB
Turkish Lira (TRY)15,000 TRY
U.S. Dollar (USD)10,000 USD

What countries can receive Mass Payments?
You can send Mass Payments to the following countries:

ArgentinaDominican RepublicIndiaMartiniqueSouth Korea
AustraliaEcuadorIndonesiaMexicoSpain
AustriaEstoniaIrelandNetherlandsSweden
BelgiumFinlandIsraelNew ZealandSwitzerland
BrazilFranceItalyNorwayTaiwan
BulgariaFrench GuianaJamaicaPhilippinesThailand
CanadaGermanyJapanPolandTurkey
ChileGibraltarLatviaPortugalUnited Arab Emirates
ChinaGreeceLiechtensteinReunionUnited Kingdom
Costa RicaGuadeloupeLithuaniaRomaniaUnited States
CyprusHong KongLuxembourgSan MarinoUruguay
Czech RepublicHungaryMalaysiaSingaporeVenezuela
DenmarkIcelandMaltaSlovakiaVietnam

Can I send money in different currencies?
Yes, but you must make a separate payment file for each currency. If you choose to send one currency to a number of different countries, your recipients will have the option to convert the money into their selected currency. Brazil and Malaysia have restrictions on how their currency can be used or exchanged. PayPal account holders in these countries should make sure that your payment file entries comply with these restrictions. For example, Brazilian users can only send BRL payments to other Brazilian users.

How do I confirm the receipt of payments?
PayPal will send you a notification email once the Mass Payments request has completed. You can then log in to your PayPal account and review the details of each transaction.

1. Log in to your PayPal account and view your recent activity.
2. Click Details next to your Mass Payments transaction.
3. On the next page, you can download either a TXT or CSV file by clicking the links under Mass Payment Details. The file will include a summary of all payments, including the current status.

How do I cancel an individual payment?
You can cancel any payment with an unclaimed status. Unclaimed payments will automatically expire in 30 days, and PayPal will return the money to your PayPal account.

1. Log in to your PayPal account and select "Advanced Search" from the "History" dropdown menu.
2. Enter the email address of your recipient in the "Search For" field and select "Email" from the drop-down menu.
3. Adjust the date range and click "Submit". Your recipient's payment opens.
4. Select "Cancel" and follow the instructions.

A recipient told me that payment was not received. What could be the problem?
Here are a few possible explanations:

• Incorrect email address
Double-check your recipient's email address. If the email address is incorrect, you can cancel an unclaimed payment and resend the payment.

• Recipient has an unconfirmed email address
Your recipient cannot receive a payment with an unconfirmed email address. Ask your recipient to confirm the email address with PayPal. Once that's done, the payment should appear in the recipient's PayPal account in a few minutes.

• Recipient did not receive the payment email
Sometimes PayPal emails get redirected to a recipient's spam folder. If this is the case, the recipient can simply log in to PayPal to view the payment. Also, double-check the email address in your Mass Payments file. There could be a misspelling or a formatting problem.

What does it mean if a mass payment is "Processing, Denied, Processed or Completed" in my transaction history?
The following are the possible statuses for your mass payment:

• Processing - You have requested a mass payment and the disbursements working their way through the system.
• Denied - Your funds were not sent and the Mass Payments transaction was not initiated. This may have been caused by lack of funds.
• Processed - Your Mass Payments file has been processed and all payments have been sent.
• Completed - All of your payments have been claimed, or, after a period of 30 days, unclaimed payments have been returned to you.