What is the Cash a Check service in the PayPal app?

The Cash a Check feature in the PayPal app (also referred to as remote check capture, mobile check cashing, or check reload) allows you to deposit checks on your mobile device and have them credited to your PayPal Balance account.

Take a picture of the check you want to cash and send it to us for review. Once your check is approved, you have the option to pay a fee and get your money credited to your PayPal Balance account, usually in minutes. If you don’t need the money immediately, you can get it in 10 days with no fee if the check is not returned unpaid. A PayPal Balance account is required to use the Cash a Check feature.

This feature is available to personal accounts and individual or sole proprietor accounts with PayPal Business Debit Mastercard®.

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

1. Tap Accounts.
2. Tap Balance.
3. Tap Cash a check.
4. Enter the check amount, take a picture of the front and back of your endorsed check with your mobile device, and tap Next.
5. Select how quickly you want access to your money and tap Confirm.

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 to verify enough check information to approve your check.

If your check is approved, you’ll be prompted to write “VOID” across the front of your check and submit another photo showing it has been voided. Do not write “VOID” on your check until you are prompted to do so, after you receive confirmation that your check was approved.

Once finalized, you’ll see a confirmation page verifying the credit amount and when the money will be available in your PayPal Balance account.

The Cash a Check feature is not available to customers in the state of New York and it’s not available to customers who have a negative balance in their PayPal Balance account. Visit PayPal Balance Terms and Conditions for additional information. 

This Cash a Check service is provided by Ingo Money Inc, and there are applicable limits and fees, and terms. Please refer to Ingo Money Service - PayPal Terms and Conditions for details.