Does PayPal Cash Checks Instantly (Personal, 3rd Party)?

PayPal is one of the most popular online payment processors, but can it cash checks? Read on to find out whether PayPal can help you with your check-cashing needs.

Does PayPal Cash Checks?

Yes, PayPal allows all its customers to cash checks instantly and have them sent to a PayPal Cash Plus account. Customers can simply apply for the PayPal Cash Plus account within an app or online for their efficient check cashing services.

PayPal check cashing
PayPal LaVista

Check-cashing through PayPal is quite fast and easy.

All you need is to take a picture of the check you want to cash and send it for review using the PayPal App on your mobile device, instead of visiting a physical check cashing location which might consume you some time.

Reviewing the check only takes a few seconds or in rare cases 3-5 minutes after which your check will be approved, and your funds transferred to a PayPal Cash plus Account in minutes, with the associated fees.

You can then cash out your amount at any PayPal branch near you or transfer the amount to any convenient financial institution linked to your PayPal to withdraw your amount. Fees are usually waived for a limited time only.

Note that, Checks which are not approved cannot be processed and funds will not be received through PayPal.

FAQs on PayPal Check-cashing

Does PayPal cash stimulus checks?

Yes, PayPal allows all its customers with the PayPal Cash Plus account to cash stimulus checks. The last time we checked, PayPal allows its customers to cash their stimulus checks at a fee corresponding to the amount of fund cashing.

PayPal charges all its customers a 1% fee to cash Stimulus checks with a printed signature or a minimum of $5.

Does PayPal cash cashier’s checks?

Yes, you can cash cashier’s checks through your PayPal Cash Plus account. You only need to take a picture of the check you want to cash and send it for review using the PayPal App on your mobile device for review after which the amount will be directed to your PayPal Cash Plus Account.

Once the amount indicated in the cashier’s check is approved and directed to the PayPal Cash Plus Account, you can transfer the amount to your local bank for cashing.

Note that, with Cashier’s check, you draw money directly from the issuing bank, not from an individual account.

Does PayPal cash endorse checks?

Yes, PayPal can cash endorsed checks on the condition that the check has the writer’s name and address pre-printed on it and be dated on or before the submission date.

Does PayPal cash handwritten checks?

Yes, PayPal cash handwritten checks with the appropriate writer’s signature. Simply take a photo of your check and send it for review using the PayPal App on your mobile device or visit any of their branches near you for review and approval of your check.


PayPal Cash Checks are only valid for use at merchants that accept PayPal. You can use your PayPal Cash Check to make a purchase online or in-store or to add money to your PayPal account.

When you receive a PayPal Cash Check, the funds will be added to your balance immediately. The check can be used just like any other payment method accepted by PayPal, and it will be processed as soon as the check clears.

If you have any questions about using your PayPal Cash Check, please contact us for assistance.

READ MORE: OneMain Financial check cashing policy.

About Nelkwob

Nelson K. is a former banker with experience in providing financial solutions to a variety of customers (individual and commercial). His background makes him the best go-to individual for information on money services offered by banks, credit unions, gas stations, and stores.

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