Yes — PayPal lets you cash or deposit checks directly from your phone using its
Cash a Check feature, powered by Ingo Money. You can snap photos of a paper check, verify your details, and choose between instant or free deposit options. In this guide, we’ll walk through how to cash a check with PayPal in 2025, what types of checks are accepted, and how long it takes for funds to clear.
Can You Cash a Check with PayPal?
Yes — PayPal’s mobile app supports check cashing through its partner, Ingo Money. Once your account is verified, you can deposit most
payroll, government, and cashier’s checks directly to your PayPal balance.
- Available to: Verified PayPal users
- Accepted checks: Payroll, government, and cashier’s checks
- Not accepted: Third-party or handwritten checks
- Minimum amount: $5 per check
- Maximum per check: $5,000
How to Cash a Check with PayPal
- 1. Open the PayPal app and tap “Finances” or “Wallet.”
- 2. Choose “Cash a Check.”
- 3. Enter the check amount and take clear photos of both sides.
- 4. Sign the back with “For mobile deposit only to PayPal.”
- 5. Select your deposit option — Instant or Free.
The instant option delivers funds in minutes for a small fee (typically 1–5%), while free deposits clear in 7–10 business days.
PayPal Check Deposit Limits
- Per check: $5 to $5,000
- Daily total: $5,000
- Monthly total: $15,000
These limits can vary by user, depending on verification status and account activity.
How Long Does It Take for PayPal to Cash a Check?
If you choose the instant option, funds are usually available within minutes. Free deposits may take up to 10 business days, depending on check type and account standing.
- Instant deposit: Minutes (1–5% fee)
- Free deposit: 7–10 business days
- Notification: You’ll receive confirmation once processed
Why PayPal Might Decline Your Check
- Illegible or incomplete photos
- Missing endorsement
- Third-party or handwritten checks
- Duplicate or altered items
- Name mismatch with your PayPal account
If your check is rejected, PayPal will notify you by email or push alert, explaining the issue and whether resubmission is allowed.
Is PayPal Check Cashing Safe?
Yes — PayPal uses Ingo Money’s encrypted processing and secure photo verification. Once cleared, funds go directly into your PayPal balance, where you can transfer them to your bank or use your PayPal Debit Card. For related help, see our
PayPal Check Deposit Limits guide.
Alternatives to PayPal Check Cashing
- Venmo: See our Cash a Check with Venmo guide.
- Cash App: Offers mobile deposits and instant balance access (see Cash App Guide).
- Green Dot: Accepts check deposits to prepaid accounts.
- Kroger or Walmart: Cash checks in-store for a small fee if you need instant cash.
Final Thoughts
You can cash a check with PayPal in 2025 using the Ingo Money-powered mobile deposit system. Choose instant funding for quick access or a free deposit if you’re not in a hurry. For other mobile deposit options, explore our
Cash App and
Venmo guides to find the best fit for your needs.