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For My Business

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For My Business

< R10m annual turnover

For My Business

> R10m annual turnover

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Solutions that are right for your business

On your website

Accept PayPal and card payments on your website, choose from checkout buttons to fully integrated online solutions.



Create a PayPal.Me link

Let your customers pay you in just a tap or two. Quickly create and share a personalized link to request payment for your product or service.



Online payments

Use invoice templates or send invoices at no cost and with no monthly fees. You only pay when you get paid.



Subscription and billing agreements

Fix or flexible recurring payments when setting up an agreement with a payer.



According to the South African Exchange control regulations, funds received into a PayPal account may not be used to make other cross-border payments, and all PayPal balances must be withdrawn to your South African bank account within 30 days of receipt of funds.

Get in touch


PayPal

Call us on 087 572 9725
Email paypalenquiries@fnb.co.za
Fax us on 011 263 5139

For PayPal specific queries
www.paypal.com/za

FNB Banking App


Bank on the go safely and securely with the FNB Banking App. As a registered Online Banking user, you can access the FNB Banking App. Using the free FNB Banking App, you pay no data fees.


Do your day-to-day banking:

  • View detailed balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Get notifications from 1 cent
  • Make payments
  • Make Cardless Cash withdrawals


You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity
  • iTunes

You can use Connect to:

  • Make calls to FNB call centres
  • Make calls and send messages on the App


You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Buying vouchers
  • Redeeming coupons
  • Locate FNB branches
  • Locating ATMs


Visit your App Store to download the FNB Banking App today. Just register and you're on your way. Downloading the FNB Banking App is compatible with Android™, Apple™, BlackBerry™ and Nokia™ Symbian devices*. For queries, email: fnbappsupport@fnb.co.za To find out how to link your device, call: 087 575 0362 View the software license agreement and remote banking agreement

*Android devices include HTC, Samsung, LG, Motorola, Sony Ericsson and Huawei. BlackBerry devices include the Torch, Storm, Bold and Curve that are OS5 or higher

Terms, conditions, rules+ standard network rates apply.

Online Banking


Bank safely and securely 24/7 with Online Banking.

Online Banking is the convenient, real-time way to access your accounts. Pay, transfer, trade and invest using easy online navigation - all from the comfort of your couch.

Banking Online is:

  • Convenient. You can do most things via Online Banking that you can do in a branch.
  • Secure. Keep track of your transactions with free inContact, OTP notifications and online protection software.
  • Simple. All you need is an FNB bank account and access to the internet.

When using your Online Banking, you pay no data fees.


With Online Banking you can do your day-to-day banking:

  • View detail balances and transactions
  • Transfer funds between accounts
  • Stop/reverse debit orders on Mobile and eChannels
  • Make payments
  • Manage recipients
  • Send Money
  • Download account statements

You can also buy:

  • Prepaid Airtime
  • Data Bundles
  • SMS Bundles
  • Prepaid electricity

You can use Connect to:

  • Link your FNB Banking App to your Online Banking profile

You can take control and protect your account by:

  • Managing your FNB cards
  • Viewing/updating your PINs
  • Activating/Updating Online Secure

You also get additional features that include:

  • Managing your eBucks account and finding partners
  • Getting personalised offers for upgrades and limit increases
  • Ordering new smartphones and tablets
  • Opening new accounts in under ten minutes
  • Buying and selling Krugerrands

View our How to register for Online Banking demo


Terms, conditions + rules apply.


PayPal step by step

Everything you need to know about how to download and set up PayPal and accept payments.

 

What is the FNB Top-up Service with PayPal?


  • The FNB Top-up Service with PayPal allows you to top up funds from your qualifying FNB ZAR account to your linked PayPal account to shop online or make payments with PayPal.
  • The Top-up service is only available to FNB customers.
  • A Top-up takes less than 10 minutes to reflect in your PayPal account.
Ts & Cs apply

What is the FNB Withdraw Service with PayPal?


Whether you are looking for a complete payment solution or want to add PayPal as an additional payment method, we have solutions that's right for your business.

  • The FNB Withdraw Service with PayPal allows you to withdraw funds paid into your PayPal account to your FNB or any linked South African bank account.
  • You will need an FNB Online Banking profile. If you don't bank with FNB you can create a free FNB Online Banking profile and link your PayPal account to your South African bank account.
  • A withdraw from a PayPal account takes 3 to 5 business days to reflect in your linked South African bank account.
Ts & Cs apply


Purchasing

When purchasing from a merchant who accepts PayPal, PayPal debits the payment method linked to the buyer's PayPal account and credits the merchant's PayPal account without exposing the buyer's full financial information.

 


OneTouch

A faster checkout means more sales. PayPal One Touch™ checkout saves customers' payment details, they can speed through checkout with fewer screens.

To learn more about OneTouch, visit
https://www.paypal.com/za/webapps/mpp/one-touch-checkout

 


Return Shipping

If you aren't happy with your order, we'll refund the cost of sending it back. Activate this benefit to get refunded for up to $30 on 12 eligible purchases a year.

To learn more about Return Shipping, visit
https://www.paypal.com/za/webapps/mpp/refunded-returns

 


Send money in a few seconds

Enter your recipient's email address, enter an amount and select the currency. PayPal will notify the recipient. You can send money to almost anyone with an email address, they just need to set up a PayPal account, if they don't have one yet.

To learn more about how to send money, visit
http://www.paypal.com/za/webapps/mpp/send-money-online

 


Seller Protection is available for your eligible payments

If your customers claim the transaction was unauthorised, we can help you get covered for the full amount of the payments. There's no charge for this service, PayPal's Seller Protection applies to your eligible PayPal transactions.

To learn more about Seller Protection, visit
https://www.paypal.com/za/webapps/mpp/seller-protection

 


Buyer Protection is available for your eligible purchases

Whether the item you bought online doesn't arrive or doesn't match the seller's description; PayPal's Buyer Protection may reimburse you for the full amount of the item plus postage.

To learn more about Buyer Protection, visit
https://www.paypal.com/za/webapps/mpp/buyer-protection

 


Set up your PayPal account in four steps

Getting started

Getting started

Getting started




01: Create and verify your PayPal account

  • Go to www.paypal.com/za
  • Select 'Sign Up'
  • Select Business PayPal Account
  • Complete the required information and create your account
  • Confirm your email address
  • You will need to verify your PayPal account by selecting 'Get Verified and linking a debit or credit card to your PayPal account'.
  • PayPal will charge a nominal fee to the card, such fee will be refunded later
  • A four-digit code will be embedded in the transaction reference on your bank statement
  • You need to enter the four-digit code on the PayPal website for your account to be verified

02: Register for your free FNB Online Banking Profile

Register for your FREE FNB Online Banking profile (you do not need an FNB bank account) by selecting 'Register' on the home page

03: PayPal account linking

Log in to your FNB Online Banking profile and link your verified PayPal account to your bank account
Log in to your FNB Online Banking profile from the home page

  • Select 'My Bank Accounts' or 'Forex'
  • Select the Menu option and then 'PayPal Services'
  • Select the Menu option again and then select 'Link your PayPal Profile'
  • During the linking process, you will be able to add a non-FNB bank account for withdrawal purposes

04: Transact

You are now ready to:

  • Top up funds from your FNB account to your PayPal account and pay online with PayPal, or
  • Receive payments into your PayPal account and withdraw funds to your linked South African bank account
  • All top-up and withdraw transactions are done from the FNB Online Banking site
  • Each top-up and withdraw transaction will require a separate Balance of Payment (BoP) code
  • Supporting documents must be available on request from the South African Reserve Bank
  • All top-up and withdraw transactions are reported to the South African Reserve Bank

PayPal - Boost your business globally


The safer, easy way to pay & get paid immediately

PayPal is a trusted brand and partner to over 286 million customers in more than 200 markets around the world. Discover a secured way to get online payments in seconds.

 

About


FNB & PayPal

Get Paid with PayPal and withdraw with FNB. PayPal is one of the world's leading digital payments platform. Whether you're a business owner or a freelancer, with PayPal you can easily accept payments from anyone with an email address whether it is for a job you did, goods you sold or services you provided.

  • It is as easy as paying with either a card or a PayPal balance from almost any device with just a few clicks.
  • PayPal never reveals your full financial information.

Joining the service is simple. Open a Business PayPal account (it's free) + register for the FNB Online Banking profile, and withdraw money to any South African bank account.

How it works


Shop online around the world

As a buyer, when you sign-up for PayPal, enter your credit card details once and then use your PayPal username and password to shop online with millions of merchants around the world.

Open an Account

A buyer and a seller (merchant) each have a PayPal account.



Funding Source

A user links their credit or debit card to their PayPal account.



Shop

When purchasing from a merchant who accepts PayPal, PayPal debits the payment method linked to the buyer's PayPal account.

Read more

Withdraw

The merchant can then withdraw the funds to their South African bank account or an FNB Business USD Global Account (CFC) through FNB.



Why use PayPal


Give your business a global reach

Increase your conversion rate as customers see the PayPal logo as a sign of trust. Peak buying countries include the United States, Canada, UK, Australia, Germany and France.

OneTouch

A faster checkout means more sales.

Read more

Send money

Send money in a few seconds any time, anywhere.

Read more

Seller Protection

Seller Protection is available for your eligible payments.

Read more

Buyer Protection

Buyer Protection is available for your eligible purchases.

Read more

Return Shipping

If you aren't happy with your order, we'll refund the cost of sending it back.

Read more

Withdraw to an FNB Business USD Global Account (CFC)


Do you need to pay suppliers in USD? It is possible to withdraw your PayPal funds into an FNB Business Global (CFC) account, effectively allowing you to retain credit card payments in USD. This helps lower the risk and cost incurred with exchange rate fluctuations and double conversion.

Customers must be registered for the FNB PayPal service on www.fnb.co.za. To withdraw to an FNB Business USD Global Account (CFC) please contact paypalenquires@fnb.co.za for more information.

  • Requires a minimum transaction amount of $5,000
  • Only available for businesses, not individuals
  • Only available to FNB USD denominated Global (CFC) accounts, (restricted to USD only)
  • Customer profile must have completed the FICA process
  • Have mandate documentation to confirm authorised signatories
 
 

Benefits of PayPal


Give your business global exposure

  • It's smart - Gain global customers who prefer PayPal as a more secure and convenient way to pay.
  • Allows you to accept online credit card payments - PayPal is easy and free to set up. No monthly, start-up, or cancellations fees and no annual commitment.
  • PayPal allows you to sell internationally - PayPal allows your international customers to pay you using their local payment methods and in different currencies.
  • It's secure and reduce the cost of fraud and chargebacks - Industry-leading fraud prevention and chargeback protection.
  • Offers comprehensive online reports - PayPal's reporting tools provide you with the information you need to effectively measure and manage your business.

Getting started


Connect your FNB and PayPal account in four steps

 

Business solutions


Solutions that are right for your business

PayPal stringent security standards aim to ensure that every part of every transaction is safe and secure - for you and your customers. PayPal's robust reporting centre gives your insight into your business so you can optimise your expenses and plan for future orders and growth

 
 

Fees and timelines


What you'll pay & when you'll get it

  • No PayPal account set up or monthly fees
  • PayPal charges between 2.4% and 3.9% + fixed fee per transaction
  • PayPal currency conversion fees may apply. Note that the fees may change
  • FNB will quote a ZAR/USD exchange rate for each top-up or withdraw transaction if applicable
  • With the FNB Tiered Pricing structure you will pay between 0.81% and 1.51% depending on your previous month's transactional value per top-up and withdraw transaction

Note that a withdrawal from your PayPal account takes 3 to 5 business days to reflect in your linked South African bank account

A top up takes less than 10 minutes to reflect in your PayPal account.

For more details on PayPal's fees please visit https://www.paypal.com/za/webapps/mpp/ua/useragreement-full#exhibit_A

Getting it made easy


PayPal

Qualifying criteria

  1. FNB Online Banking
  2. Create and verify your PayPal account at www.paypal.com/za
  3. Link PayPal to your bank account through FNB Online Banking

How to get it

Call me back

Other ways to apply

What you'll need

You need to ensure that you comply with all South African Reserve Bank regulations as this is a cross border payment.