Does Paypal Work?

Paypal is an important tool to use to pay for items and to receive money online. Yet, even though the service is available in over 200 countries and 25 currencies, for some countries it is not as easy to use as in others.

Secrets for using Paypal

Currently using Paypal in Jamaica and the Caribbean can pose a bit of a challenge, but in this post, you are going to learn the secrets for using Paypal for those who live in the countries in this region.

So if you were asking the question, does Paypal work in Jamaica? Or in Trinidad and Tobago, Barbados, Grenada, St. Lucia, or any other of the Caribbean countries. Then your answer is yes.  Except for 2 countries as you will learn later in this post.

Sign up for Paypal

But of course, before you can begin to use the service you first have to setup your Paypal account. That’s not a problem though as I have written a post with a step-by-step guide for you that shows you just how to open a Paypal account in Jamaica or anywhere else in the Caribbean region.

So let’s get started. Please click here to go to that page and sign up for Paypal. The page will open in a new window, so when you have finished close that window and come back here.

NOTE: You are going to need a valid email address to use to verify your new account. So if you do not have an email account already you can sign up for one now at Click here to be taken to the Gmail sign up page

Using Paypal in Jamaica and the Caribbean

I’m assuming that everybody who is now at this point has gone through the process of creating their own account. If you haven’t then please sign up for a Paypal account now using the link above.

After your account is created and you have received a verification email with a link for you to click on, the next step is to link your bank account to Paypal using your credit/debit card, or the bank account itself.

Link your Paypal account to your bank account

To do this you can use your Visa Debit card from the following banking institutions. The Bank of Nova Scotia (Scotiabank), First Global Bank, JMMB, and CIBC First Caribbean International Bank.

You can also use Sagicor’s MyCash card and any Visa or MasterCard credit card, as long as the credit card is one that can be used internationally. Finally, you can use your bank account at either the Bank of Nova Scotia or the National Commercial Bank.

Making the link between your Paypal account and bank account

To make the link go to the Paypal website and log in to your account. Once you’re logged in click on Wallet. Then on the page that opens click on either Add Account or Add Card depending on which you have decided to add.

Now fill in the required information and submit. When you’ve done so Paypal will charge your card or bank account a very small sum. I think it’s like a 1 cent US charge and the purpose of this charge is to verify that the credit card is yours.

Secrets for using Paypal - Link your bank account to PayPal in Jamaica

What if you don’t do online banking?

If you don’t do online banking then you are going to need to contact your bank and have them give you the code associated with the small charge that Paypal made. They will see the transaction on your account and the code as well.  If you bank online then just access your account and you will see the code.

Make a note of the number and log back into your Paypal account. There will be a place for you to input the code to verify the account and complete the process of adding the card or bank account.

Once that is done you are ready to make PayPal transactions using that card or account and the tiny spend will be refunded to your account within a matter of days.

How to add money to a PayPal account

Whenever you want to add money to your Paypal account the process is quite simple. All you have to do is deposit the funds into your bank account or onto your debit or credit card as you would normally do when you deposit funds. There is no difference in the process.

Because the account or card is linked to PayPal any payments made using the service are going to come from that linked account so make sure you properly secure your card and PayPal information to prevent others from getting unauthorized access to them.

Withdraw money from a PayPal account

Those of us who want to do business online with a PayPal Business account or want to work online in some way or are lucky enough to have people who can send us money will be pleased to know that I know of a way that they can withdraw funds from PayPal directly into their bank accounts.

Withdraw funds from Paypal to your bank account

This option is only available in certain Caribbean countries though and I will tell you which countries below but first let me show you the method that you are going to use to do this.

Secrets for using Paypal - Paypal Cards(Image courtesy of Wikimedia Commons)

The withdrawal process is quite simple really.

Begin by logging in to your Paypal account. Then click on Summary at the top of the page. Next, you click on Withdraw Funds.

Click on From and then on your PayPal balance. Select where you want the funds to go to (you will see a listing of your linked cards etc.)

Next, enter the amount of money you want to withdraw and click Continue. Review your transaction details and click Transfer. The next page will say Success. Click Done on that page and that’s it. Your funds will be transferred.

Be mindful though that Paypal has a small fee for this service.

Secrets for using Paypal - PayPal Withdrawal

Withdraw funds from Paypal via cheque

Another method to take money out of a Paypal account is one of the ways available for Paypal users in Jamaica.

I’m not sure if it is available anywhere else in the Caribbean.

This method involves withdrawing your funds by Paypal cheque. Jamaicans who want to use this method to get their funds have to wait until they have accumulated a minimum of $100 USD in the account.

Once you hit that minimum balance you can request a cheque from Paypal. When you receive that cheque you will have to deposit it to your bank account and wait for the bank to verify and clear it before you get access to the funds.

Important Paypal update for Jamaicans  

Paypal users who live in Jamaica are now also able to withdraw their  Paypal funds to their bank account or to their Visa debit cards.

The banking institutions involved in this initiative in Jamaica are CIBC First Caribbean Bank, JMMB, Sagicor Bank, and First Global Bank.  This means that Jamaicans now have multiple ways to withdraw their Paypal funds.

However the minimum that can be withdrawn is still $100 USD and there is a 2 or 3 day wait to receive the funds in your account.

So, to recap.  Paypal funds can now be withdrawn in Jamaica direct to your Bank account and to your Visa debit cards where you can then use the ATM machine to withdraw cash.

The option to receive a cheque is also still available.

List of Caribbean countries and Paypal withdrawal methods available to them

Countries that can receive Paypal funds by Credit or Debit Card and to US bank account

Antigua and Barbuda






St. Kitts and Nevis

St. Lucia

Trinidad and Tobago

Countries that can only receive Paypal funds to US bank account or by cheque

Jamaica.   (click to see recent update for new options)

Countries that can only receive Paypal funds to US bank account

Dominican Republic

Countries that cannot receive Paypal funds at all


Saint Vincent and Grenadines


NOTE:  These 3 countries above can only send funds to Paypal and make payments via Visa or Mastercard.  There are no withdrawal methods seen.

Countries that currently have no access to Paypal at all


Saint Maarten

There you have it friends.  All the necessary secrets of using Paypal in Jamaica and the Caribbean.  Now you can create your Paypal accounts (if you still haven’t done so) and link your bank accounts so as to be able to shop on Ebay or Amazon or wherever else online you can find items you need.

I hope you found this post helpful.  Please leave your comments below and share this post with your friends and family via social media, email etc.

Have a wonderful day.

Other Interesting Posts:

Richest people in the Caribbean                Have you heard of the Wish app?

Link your bank account to Paypal in Jamaica

Categories: Tips N Tools


arzu hosan · at 11:22

Many thanks to you for sharing such a beautiful article with us and I have learned about Paypal through you and I think it is a great way to transact all over the world. And PayPal has their operations in 200 countries around the world and I can easily make twenty-five currency transactions. For those who live in Jamaica and the Caribbean, there may be some challenges for using PayPal. How do you tackle this challenge that you have brought up in your article very nicely And how PayPal can easily be used by residents of this area. And I hope that after reading your article many will find solutions to their problems

Shanta Rahman · at 11:07

Many thanks to you for sharing such a beautiful article with us and through your article I came to know about PayPal. Personally I really like doing PayPal transactions because it supports 200 countries around the world and I can do 25 types of currency transactions from this account. I’m more than happy to know that PayPal can be traded in Jamaica and the Caribbean.But in present-day Jamaica and the Caribbean there are some problems with money transactions, so I would like to thank you for explaining how you can do so in a confidential manner . You have described very well through your article how to sign up on PayPal and you’ve also described how I can withdraw money from PayPal.

Stephanie · at 10:58

I’m from Puerto Rico and it’s sometimes hard to understand what things we can do without the US blocking access yo said things, but luckily, PR has been graced to use PayPal as a paying or receiving money system. I barely use my card nowadays, I just use PayPal, for me, it’s way easier. Can someone have both a normal PayPal account and a business one? What are the requirements for the business options, and what can I use that for? 

Anna · at 10:48

I have a Paypal account and I live in Canada. This was very helpful and I’m going to give this a try with my account. Your knowledge of Paypal is very helpful to me and I love that you thought to make a blog post about it! This is a very helpful blog post!

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