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Send Money Via PayPal Using Your Cell Phone

Written by Nickel - 7 Comments

Bank Deal: Earn 1.00% APY on an FDIC-insured savings account at Barclays.

Did you know that you can make PayPal payments using your cell phone? And I’m not talking here about a fancy-schmancy web-enabled phone, although that would allow you to simply surf on over to Rather, I’m talking about a run-of-the-mill cell phone. Here’s the deal…

First off, you need to activate your phone. You can then send money to a friend’s phone number or e-mail address simply by sending a text message like this:

send 10 to 2025551414

or simply this:

10 2025551414

or maybe this:

send 10 to [email protected]

to 729725 (PAYPAL). PayPal will then call or text you to confirm your PIN.

Alternatively, you can call PayPal at 1-800-4PAYPAL (1-800-472-9725) to send money. Thus, you can take advantage of this even if your phone isn’t capable of texting.

Currently, the following U.S. carriers can handle PayPal Mobile for texting:

Cinci Bell
Midwest Wireless
T-Mobile (regular and pre-paid)
Virgin Mobile

While I realize this has been around for a little while, I still thought it was worth mentioning. In fact, this sort of technology (if widely adopted) could revolutionize person-to-person transactions, as you’d be able to effectively pay individuals electronically while out and about.

Published on June 18th, 2007 - 7 Comments
Filed under: Banking,Online

About the author: is the founder and editor-in-chief of this site. He's a thirty-something family man who has been writing about personal finance since 2005, and guess what? He's on Twitter!

Comments (scroll down to add your own):

  1. Neat trick, but I most likely will never use it. It won’t be at any point in the forseeable future, at any rate. Nice to know that it is available, though.

    Comment by Anonymous — Jun 18th 2007 @ 2:31 pm
  2. Just to add that you can do this in the UK too.

    Comment by Anonymous — Jun 18th 2007 @ 2:42 pm
  3. Obopay allows you to make payments via cell phone text messaging as well (although, I just canceled my account with them because they threatened to increase the fees).

    Comment by Anonymous — Jun 18th 2007 @ 3:53 pm
  4. I think this would be great for in-person transactions such as craigslist ads. You don’t have to carry around large amounts of cash. We’re slowly becoming a paperless society with cash.

    Comment by Anonymous — Jun 18th 2007 @ 5:12 pm
  5. Danny, I think it would be great for craigslist transactions.

    I was also thinking garage sales and the like, but that’s not necessarily a tech-savvy crowd.

    Comment by Nickel — Jun 18th 2007 @ 8:50 pm
  6. Does anyone know if it can be done from Portugal?

    Comment by Anonymous — Jan 2nd 2013 @ 7:31 pm
  7. Hi, do you need a Paypal account to send money? I mean if a customer want to pay me and I don’t have a smart phone to process credit card. I do have a Paypal account, but do my customer also need a Paypal account?


    Comment by Anonymous — Dec 6th 2013 @ 10:49 pm

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