How to take a picture of a check using the Cash a Check service in the PayPal app?

Cash a Check service in the PayPal app allows you to cash checks and have them credited to your PayPal Cash Plus account, using the PayPal app on your mobile device. You simply take a picture of the check you want to cash, and send it to us for review. If your check is approved, you have the option to pay a fee and get your money credited to your PayPal Cash Plus account in minutes, or if you don’t need the money immediately, you can get your money in 10 days for no fee, if the check is not returned unpaid.

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

Open the App and Tap More at the bottom of the home screen.

Now Tap Cash checks.

You’ll be asked to set up a PayPal Cash Plus account (if you don’t have a PayPal Cash Plus account already). 

Finally follow the instructions. 

To cash a check and get your money in minutes, the standard fee is 1% for payroll and government checks with a pre-printed signature and 5% for all other accepted checks, with a $5 minimum fee per check. If your check isn’t approved to be cashed, no fees will be assessed. Alternatively, you can choose to get your funds in 10 days for no fee. Your money will be credited to your PayPal account if your check is approved and is not returned unpaid during the 10-day period.

You can submit most check types for approval with Cash a Check, from $5, up to $2,500. This includes payroll and government checks with a pre-printed signature, business checks, two-party personal checks, handwritten payroll checks, insurance checks, attorney checks, cashier’s checks, money orders, rebate checks and refund anticipation checks. All checks must be made payable to you, endorsed by you, and drawn on a bank account in your country.

Paypal generally don’t accept conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, warrants, or checks that aren’t made payable to you.

You can submit most check types for approval with Cash a Check, from $5, up to $2,500. This includes payroll and government checks with a pre-printed signature, business checks, two-party personal checks, handwritten payroll checks, insurance checks, attorney checks, cashier’s checks, money orders, rebate checks, and refund anticipation checks. All checks must be made payable to you, endorsed by you, and drawn on a bank account in your country.

Also note that PayPal generally doesn’t accept conditional endorsement checks, counter checks, credit card checks, customer appreciation certificates, gift certificates, starter checks, traveler’s checks, warrants, or checks that aren’t made payable to you.

When you submit a check with Cash a Check, if your check is approved, you can choose to pay a fee and get your money in minutes. It usually takes a few seconds to review a check for approval, although it can take 3-5 minutes and in rare circumstances, up to an hour while we work to verify enough information to approve your check. If your check is approved, your money will be credited to your PayPal Cash Plus account within minutes.

If you’re not in a rush, you can choose to pay no fee and the money will be available in your PayPal Cash Plus account in 10 days, if the check is not returned unpaid within the 10-day period.

How to take a picture of a check using the Cash a Check service in the PayPal app?

Cash a Check features automatic image capture, so taking pictures of your checks is easy!

All you need is to Place your endorsed check on a dark-colored, plain surface that is well-lit.

Open the PayPal app and launch Cash a Check from the button on the home screen.

Tap the first check image field and position your mobile device over the check at a slight angle so that you don’t cast a shadow on the check.

Fit the corners of the check inside the guidelines and watch the box turn green.

Turn the check over and tap the second check image field to repeat the process and take a photo of the back of the check.

If auto image capture moves too quickly for you, or your device doesn’t support it, you can take a picture manually by tapping the camera and flash icons on your screen.

After you take pictures of your check, the app will display the amount of the check. Simply confirm that the amount is accurate or correct it, and tap Next.

Continue to follow the screen prompts to choose when you want your money.

Review your transaction details on the Confirm screen and then submit the check for review.