What is the Cash a Check service in the PayPal app? (2024)

The Cash a Check feature in the PayPal app allows you to deposit checks on your mobile device and have them credited to your PayPal Balance account. You take a picture of the check you want to cash and send it to us for review. Once your check is approved, you have the option to pay a fee and get your money credited to your PayPal Balance account, usually in minutes. If you don’t need the money immediately, you can get it in 10 days with no fee if the check is not returned unpaid. A PayPal Balance account is required to use the Cash a Check feature.

This feature is available to personal accounts and individual or sole proprietor accounts withPayPal Business Debit Mastercard®.

Here’s how to cash a check from your PayPal app:

  1. Tap Wallet.
  2. Tap Cash a check.
  3. Enter the check amount, take a picture of the front and back of your endorsed check with your mobile device, and tap Next.
  4. Select how quickly you want access to your money and tap Confirm.

It usually takes a few seconds to review a check for approval, although it can take 3-5 minutes and in rare circ*mstances, up to an hour to verify enough check information to approve your check.

If your check is approved, you’ll be prompted to write “VOID” across the front of your check and submit another photo showing it has been voided. Do not write “VOID” on your check until you are prompted to do so, after you receive confirmation that your check was approved.

Once finalized, you’ll see a confirmation page verifying the amount of the credit and when the money will be available in your PayPal Balance account.

The Cash a Check feature is not available to customers in the state of New York.

This Cash a Check service is provided by Ingo Money Inc, and there are applicable limits and fees, and terms. Please refer to Ingo Money Service - PayPal Terms and Conditions for details.

What is the Cash a Check service in the PayPal app? (2024)

FAQs

What is the Cash a Check service in the PayPal app? ›

PayPal

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You can use PayPal Checkout to get paid online or in an app. It can be set up in minutes and offers the convenience and security of PayPal. Your customers don't have to re-enter information stored on their accounts to complete payments in just a few steps.
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lets you manage all your money in one app, and the Cash a Check feature in the PayPal app allows you to cash checks on your mobile device and have them credited to your PayPal Balance account.

What is the cash a check service in the PayPal app? ›

You take a picture of the check you want to cash and send it to us for review. Once your check is approved, you have the option to pay a fee and get your money credited to your PayPal Balance account, usually in minutes.

Why is PayPal not letting me cash a check? ›

If the check is from a third party, PayPal generally will not cash the check. Make sure the check is to you, the person who owns the PayPal account. Business checks are also accepted if written out to cash. Your check could also be rejected if you did not provide identity information.

What app will instantly cash a check? ›

The top instant check cashing apps without verification include Ingo Money, Brink's Money, PayPal, Venmo, Cash App, Chime, and Flare Account. These apps allow you to quickly cash checks by taking photos with your phone for deposit into bank accounts or prepaid cards.

How much can PayPal cash a check for? ›

I. Maximum and Minimum Check Limits. You may use Ingo for checks with a face value from $5 to $5,000. You may submit multiple checks with a total combined value of no more than $5,000 per day and $15,000 per month.

What is a cash check? ›

A cash check is a type of check by which a drawer orders a bank to debit a specific account and pay the money to a beneficiary in cash. Cash checks may be personal checks or bank checks. The recipient does not need to have a bank account in order to cash a cash check.

How do I enable check cashing on PayPal? ›

Once you're signed into your PayPal account, select “Wallet” from the menu at the bottom of your screen. This will take you to your digital wallet — you should be able to see your current balance and options to manage your money. Select “Cash a Check” from the menu at the top of your screen.

What do you need to cash a check on PayPal? ›

For example, you can cash a check online via the PayPal app. All you need is your check, a mobile device, and a PayPal Balance account, which is where your funds will be deposited.

Can fake checks be mobile deposited? ›

Mobile deposit scams, or fake check scams, involve fraudsters depositing fake checks into victims' bank accounts to gain access to their money. Once these deposits are made, victims are asked to withdraw the funds and return them, usually through a third-party money transfer account.

Is PayPal check cashing instant? ›

You simply take a picture of the check you want to cash and send it to us for review. Once your check is approved, you have the option to pay a fee and get your money credited to your PayPal Balance account, usually in minutes.

How do you cash a check online and get the money instantly? ›

How it works
  1. Download the Money Mart app.
  2. Sign-in or create an account.
  3. Tap "Cash a Check"
  4. Take a photo of the front and back of your check.
  5. Review your details and fees, and tap "Submit"

Will Cash App cash my check instantly? ›

Cash App offers standard deposits to your bank account and Instant Deposits to your linked debit card. Standard deposits are free and arrive within 1-3 business days. Instant Deposits are subject to a 0.5% -1.75% fee (with a minimum fee of $0.25) and arrive instantly to your debit card.

How long does it take PayPal to clear a check? ›

It usually takes between 4-7 business days to clear, but sometimes it may take longer (Saturday, Sunday, and Holidays aren't considered business days). The payment may show as “pending” in your PayPal account and the recipient's account.

What is Lodefast check cashing app? ›

The Lodefast Check Cashing app allows you to cash checks and access your money anytime, anywhere, without waiting in lines or driving to a store or bank. The app is easy to use.

Does Venmo cash checks instantly? ›

It usually takes a few seconds to review a check for approval, although it can take 10-15 minutes and in rare circ*mstances, up to 1.5 hours while we work to verify enough information to approve your check. If your check is approved, your money can be credited to your Venmo account usually within minutes.

Is it safe to cash a check on PayPal? ›

Security: Mobile check deposit is generally safe and secure, as it typically uses encryption and other security measures to protect personal and financial information.

How to cash a check online without a bank account? ›

Consider a Prepaid Debit Card

With this option, you can get a debit card that enables you to deposit your check directly – likely by mobile check deposit – onto the card without needing to open an account with a bank.

How to cash an emailed check? ›

You can deposit eChecks just like any other check – at a bank or credit union, through an ATM or using your branch's Remote Deposit Capture. Patented technology allows companies and banks to help reduce fraud by easily verifying the authenticity of each eCheck.

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