PayPal introduces a new way for people to send money to each other through peer-to-peer (P2P) payments made via personalized, one-off links. The system, called PayPal Links, complements the company’s existing capabilities, called PayPal Me. This continues to exist as a way to share profile information and make it easier to find.
The company explains that the PayPal Me link is not a payment request related to a particular amount, at least until the recipient enters that they plan to plan a payment.
PayPal Me links were only used to receive payments. However, the new PayPal link allows customers to request or pay payments to others by selecting the link option, entering the amount, and copying the link into the conversation. This makes this feature more convenient for one-time payments or requests directly from others without having to identify and verify your profile or account information. As a result, there are fewer steps involved and faster payments.
Additionally, PayPal links will soon be able to support US Crypto, allowing users to send Bitcoin, Ethereum, Pyusd and more to PayPal, Venmo, and other digital wallets that support Crypto and Stablecoins.
The feature will first be available to US users, but will expand to other markets later this month, including the UK, Italy and more.
To create a PayPal link, the user opens the PayPal app, enters payment or request details, and generates a unique, one-time link. This link is private and is related to the transaction.
These PayPal links can be used in online conversations, texts, and DMs where money, expenses, and purchases are being discussed. Unsolicited links will expire after 10 days, but users can send reminders at any time or cancel payment links at any time if necessary.
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Recipients tap on the link to complete the request or accept payments via the PayPal app.
Personal payments remain exempt from 1099-K reports, the company noted.
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