PayPal offered three types of accounts which users could sign up to: Personal, Business and Premier. PayPal earned revenue from these accounts in various ways; such as receiving fees from business and premium account holders who received funds, users who withdrew money to non-US bank accounts, users who converted funds to foreign currencies, and from merchants who used PayPal to process online transactions. Furthermore, PayPal offered ATM / debit cards and credit cards (PayPal Plus and eBay MasterCard) and operated the PayPal Buyer Credit Program in conjunction with GE Money Bank; each of which generated revenue for the division.
PayPal inayotolewa aina tatu za akaunti ambazo watumiaji wanaweza ishara juu ya: Binafsi, Biashara na Premier. PayPal chuma mapato kutoka akaunti hizo kwa njia mbalimbali; kama vile kupokea ada kutoka kwa wamiliki wa biashara na akaunti premium ambao kupokea fedha, watumiaji ambao aliondoka fedha kwenye akaunti za benki zisizo Marekani, watumiaji ambao waongofu fedha kwa fedha za kigeni, na kutoka kwa wafanyabiashara ambao kutumika PayPal kwa mchakato shughuli online. Aidha, PayPal inayotolewa kadi za ATM / debit na kadi za mkopo (PayPal Plus na eBay MasterCard) na kuendeshwa PayPal mnunuzi Mikopo Programu kwa kushirikiana na GE Money Bank; ambayo kila mmoja yanayotokana mapato kwa ajili ya mgawanyiko.