How Many Paypal Accounts Can You Have? A Must-read for Business Owners

Using PayPal as your online payment solution can be a big relief for your business and make the transactions smoother. If you’re planning on starting off with PayPal to maintain your businesses, it might get confusing for you. You may end up asking how many PayPal accounts can you have, especially if you have multiple businesses to maintain. PayPal has a very good reputation for being highly secure, which is because they are highly strict about their policies. 

Using PayPal for personal transactions and businesses can give you peace of mind, but you also need to know the policies. Because of an extensively wide acceptance of PayPal on different eCommerce sites, it’s important to have it for your business as well. Stick to the article if you’re wondering if you can have multiple PayPal accounts for your business or personal purposes. 

How many PayPal accounts can you have?

If you need multiple PayPal accounts to maintain separate business or for other reasons, you must know how many PayPal accounts can you have. PayPal allows you to have two accounts for your personal use and business use under two types of accounts. You can open a personal PayPal account for your personal transactions and a business account for your business. 


PayPal’s business and premier accounts are there for enabling you to do transactions for large amounts of money. You shouldn’t or cannot risk mixing up your personal transactions with your business transactions, which is why PayPal gives you tow separate accounts. However, you must use separate email addresses, bank accounts, credit or debit cards, and other financial information for each account. 

What is a PayPal personal account?

The name suggests its purpose. A personal PayPal account is for those who primarily use their PayPal account for regular online shopping or personal transactions. If you send money to your friends and family, receive money from people, and withdraw money to your bank account or card as well. However, you can also use the personal account for small-scale businesses as well. You can sell goods, take payments on a small scale for your services and goods with this account. 

For example, if you’re an artist, a programmer, or a consultant, you can take occasional payments from your clients using a personal PayPal account. You can also list an item on eBay and sell it with more reliability, even if you have never used it. However, the buyer will see your full name when they purchase your listing. You will have higher fees for receiving payments than a business account, and won’t have as many facilities as a business or premier account. 

Things you need 

Here are the things you provide while opening a PayPal personal account for personal transactions:

  1. Your full name (first name and last name)
  2. your current address
  3. A valid phone number
  4. An existing email address you can access
  5. Your debit or credit card (it’s optional)
  6. You can also add a bank account
  7. Routing number or a checking account number

What is a PayPal business account?

A PayPal business account does everything a personal account can do, plus it has more to offer. PayPal gives you a great opportunity to operate a business smoothly with a business account. If you’re a regular seller, an eCommerce business owner, or a service seller requiring regular payments, get a business account. With the business account, you can get an affordable payment solution for your business with much fewer charges. You will have a seamless online payment gateway with PayPal to convert your website into a full-scale eCommerce site. 

With the business account, you can set up a subscription service to get a recurring payment from your customers. Another great feature you’ll get with a business account is, you can allow up to 200 employees to log into the account for business management. They can do profit and shipment tracking, making invoices, managing inventory, and control fees, and more. You will get invoice service with your own business logo and name to make your online business run even smoother. Your business account will use your company name instead of your own, so you can stay stealth from your customers.

Things you need 

Here are the things you provide while opening a PayPal business account for an SMB or online business: 

  1. Your name and address as the owner of the business
  2. Your email address (separate from the personal account)
  3. The name of your business and its contact information
  4. Business type, related Keywords, and other general information
  5. Your bank information (Name and account information)
  6. Business bank account number and routing number

Frequently asked questions

Here are the most frequently asked questions about having multiple Paypal accounts that you might find interesting: 

Are you allowed to have multiple PayPal accounts?

Usually, you can have a personal account and a business or premier account. You can also upgrade your existing personal account into either of these account types if you want. 

How many bank accounts can you have on PayPal?

You can link up to 8 bank accounts on your PayPal account simultaneously. You can add them to fund your PayPal account or withdraw the PayPal balance to your local bank account. 

Can I have 2 PayPal accounts with the same email?

You cannot have the same email address for more than a PayPal account because every account requires a unique email. You can have multiple accounts with multiple email addresses.

Final thought

So, there you have it! You now know how many PayPal accounts can you have, what you can expect from PayPal about different accounts, especially if you own an online business. Using PayPal for your personal or business transactions can get you an extensive range of benefits. PayPal can be the best option if you’re running a business but don’t have a big setup for the workflow.

The business account gives you all the facilities that you would need to pay a hefty amount to facilitate between you and your customers. Things like invoicing, shipment tracking, refunding, customer and seller protection, and some other features are available right under the business account.