# Using PayPal **URL:** \ **Category:** Shop Talk\ **Created:** [14 November 2023 18:17 UTC](https://talk.folksy.com/t/using-paypal/27346 "2023-11-14T18:17:49Z")\ **Posts on this page:** 17\ **Page:** 1
**Author:** ![HappyHedgehogShop](https://avatars.discourse-cdn.com/v4/letter/h/f1d935/32.png) [@HappyHedgehogShop](https://talk.folksy.com/u/HappyHedgehogShop)\ **Post date:** [14 November 2023 18:17 UTC](https://talk.folksy.com/t/using-paypal/27346/1 "2023-11-14T18:17:49Z")
Hi again, I just have a normal PayPal account that I use to make purchases myself which is linked to my current account - is this OK to use or do I have to upgrade to a PayPal business account? Thank you, Noelle ---
**Author:** ![KBCreations](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/kbcreations/32/6094_2.png) [@KBCreations](https://talk.folksy.com/u/KBCreations)\ **Post date:** [14 November 2023 18:52 UTC](https://talk.folksy.com/t/using-paypal/27346/2 "2023-11-14T18:52:22Z")
I only have a personal account too and it’s fine. ---
**Author:** ![LooneySpoons](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/looneyspoons/32/136303_2.png) [@LooneySpoons](https://talk.folksy.com/u/LooneySpoons)\ **Post date:** [14 November 2023 18:55 UTC](https://talk.folksy.com/t/using-paypal/27346/3 "2023-11-14T18:55:11Z")
You need to upgrade - at least that’s what it says here [https://folksy.uservoice.com/knowledgebase/articles/58080-do-i-need-to-use-paypal-to-sell-on-folksy-](https://folksy.uservoice.com/knowledgebase/articles/58080-do-i-need-to-use-paypal-to-sell-on-folksy-) Also check that your bank is ok with using a personal current account for business - many aren’t. But there are plenty of free or low cost business accounts on offer 🙂 ---
**Author:** ![HappyHedgehogShop](https://avatars.discourse-cdn.com/v4/letter/h/f1d935/32.png) [@HappyHedgehogShop](https://talk.folksy.com/u/HappyHedgehogShop)\ **Post date:** [14 November 2023 19:44 UTC](https://talk.folksy.com/t/using-paypal/27346/4 "2023-11-14T19:44:51Z")
Oh that’s great, thank you 🙂 ---
**Author:** ![HappyHedgehogShop](https://avatars.discourse-cdn.com/v4/letter/h/f1d935/32.png) [@HappyHedgehogShop](https://talk.folksy.com/u/HappyHedgehogShop)\ **Post date:** [14 November 2023 19:45 UTC](https://talk.folksy.com/t/using-paypal/27346/5 "2023-11-14T19:45:42Z")
Thank you 🙂 ---
**Author:** ![Bearlescent](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/bearlescent/32/67189_2.png) [@Bearlescent](https://talk.folksy.com/u/Bearlescent)\ **Post date:** [14 November 2023 20:01 UTC](https://talk.folksy.com/t/using-paypal/27346/6 "2023-11-14T20:01:34Z")
I use my personal account, i enquired a couple of yesrs ago and paypal told me i only need a business account if I expect to sell X amount, cant’ remember what amount X was but i remember laughing and saying i wouldn’t ever need it. However if i do a transaction direct with a customer they charge me, even when i have tried doing is as ’ friends and family’, they are actually treating it as a business account but I don’t have a separate one for Folksy. ---
**Author:** ![Knittingtopia](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/knittingtopia/32/246895_2.png) [@Knittingtopia](https://talk.folksy.com/u/Knittingtopia)\ **Post date:** [14 November 2023 22:26 UTC](https://talk.folksy.com/t/using-paypal/27346/7 "2023-11-14T22:26:11Z")
I have 2 PayPal accounts, 1 for business and 1 personal. I just thought it would be easier should the inland revenue ever want to check my accounts. I just wish we could pay for the plus account through PayPal so I can keep everything together. ---
**Author:** ![karloshandmade](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/karloshandmade/32/150588_2.png) [@karloshandmade](https://talk.folksy.com/u/karloshandmade)\ **Post date:** [14 November 2023 23:24 UTC](https://talk.folksy.com/t/using-paypal/27346/8 "2023-11-14T23:24:34Z")
I use personal paypal. ---
**Author:** ![HappyHedgehogShop](https://avatars.discourse-cdn.com/v4/letter/h/f1d935/32.png) [@HappyHedgehogShop](https://talk.folksy.com/u/HappyHedgehogShop)\ **Post date:** [15 November 2023 08:01 UTC](https://talk.folksy.com/t/using-paypal/27346/9 "2023-11-15T08:01:42Z")
Thank you 🙂 ---
**Author:** ![RusticCountryStyleCrafts](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/rusticcountrystylecrafts/32/66491_2.png) [@RusticCountryStyleCrafts](https://talk.folksy.com/u/RusticCountryStyleCrafts)\ **Post date:** [15 November 2023 08:16 UTC](https://talk.folksy.com/t/using-paypal/27346/10 "2023-11-15T08:16:42Z")
Personal one for me too. ---
**Author:** ![HappyHedgehogShop](https://avatars.discourse-cdn.com/v4/letter/h/f1d935/32.png) [@HappyHedgehogShop](https://talk.folksy.com/u/HappyHedgehogShop)\ **Post date:** [15 November 2023 13:02 UTC](https://talk.folksy.com/t/using-paypal/27346/11 "2023-11-15T13:02:09Z")
Thank you 🙂 ---
**Author:** ![flyniccrafts](https://avatars.discourse-cdn.com/v4/letter/f/9e8a1a/32.png) [@flyniccrafts](https://talk.folksy.com/u/flyniccrafts)\ **Post date:** [22 November 2023 14:15 UTC](https://talk.folksy.com/t/using-paypal/27346/12 "2023-11-22T14:15:29Z")
I used to have a PayPal business account, which I was going to change for my new venture, but PayPal is being tricky about changing details. However, I’ve discovered you can now link a seller profile or business to your personal PayPal and set up a Seller Profile on your personal PayPal account. It will give you a business specific [PayPal.me](http://PayPal.me) link and looks separate from your personal account. You can even create invoices with your business logo and details on it, even your business email address, so you can keep your personal details safe. [PayPal: What is a seller profile and how do I sign up?](https://www.paypal.com/uk/cshelp/article/what-is-a-seller-profile-and-how-do-i-sign-up-HELP510) Having said that, if you are setting up a business where you may have your own website or eCommerce site, maybe sell at markets, fairs and expos and need a card terminal (PayPal does iZettle), interface invoicing with shipping, etc, then you’ll definitely need a PayPal Business Account. ---
**Author:** ![theweeowlart](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/theweeowlart/32/216710_2.png) [@theweeowlart](https://talk.folksy.com/u/theweeowlart)\ **Post date:** [3 September 2025 09:55 UTC](https://talk.folksy.com/t/using-paypal/27346/13 "2025-09-03T09:55:01Z")
I only earn below X amount, I’m certain. Would be perfectly legal to use a bank account and Paypal that is for personal use rather than a business account. I Would like to switch to a personal account if I can as the Paypal business account is a complete pain, but I don’t know would deal with a refund request from a personal Paypal account. How do you do this? ---
**Author:** ![Bearlescent](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/bearlescent/32/67189_2.png) [@Bearlescent](https://talk.folksy.com/u/Bearlescent)\ **Post date:** [3 September 2025 19:41 UTC](https://talk.folksy.com/t/using-paypal/27346/14 "2025-09-03T19:41:25Z")
I am sure mine is a personal account, when I asked Paypal 11 years ago about having a business account they said it wasn’t necessary for small earners and to keep the one I already have. I do still pay fees still on any sale transactions done outside my Folksy shop, PayPal automatically charge me the same as they would with a business account. I also often send refunds for overcharges on International postage etc and don’t have any issues. Go to PayPal activity, click on the transaction you need to refund and click refund this payment, it’s really straight forward. Click on the transaction, enter the amount you want to refund and that’s about it, there’s a box to enter text to the customer. ---
**Author:** ![theweeowlart](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/theweeowlart/32/216710_2.png) [@theweeowlart](https://talk.folksy.com/u/theweeowlart)\ **Post date:** [3 September 2025 19:56 UTC](https://talk.folksy.com/t/using-paypal/27346/15 "2025-09-03T19:56:28Z")
Thank you, that is very helpful. Paypal have given me no end of trouble with the business account, they have limited my account and I can’t get my money and I can’t pay my Folksy fees. If it is not resolved, I will set up a personal account and use that. Thank you so much. ---
**Author:** ![Bearlescent](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/bearlescent/32/67189_2.png) [@Bearlescent](https://talk.folksy.com/u/Bearlescent)\ **Post date:** [4 September 2025 09:33 UTC](https://talk.folksy.com/t/using-paypal/27346/16 "2025-09-04T09:33:42Z")
I hope you get it sorted Marina ---
**Author:** ![theweeowlart](https://sea2.discourse-cdn.com/folksy/user_avatar/talk.folksy.com/theweeowlart/32/216710_2.png) [@theweeowlart](https://talk.folksy.com/u/theweeowlart)\ **Post date:** [4 September 2025 09:50 UTC](https://talk.folksy.com/t/using-paypal/27346/17 "2025-09-04T09:50:19Z")
Thank you so much, I hope so too. More delays with Paypal unlocking my account today. I am getting worried that they will keep my earnings and my shop will get closed. I was doing so well for a newbie but I am not good at the technical stuff that I need to know for Folksy. It is making me so sad.