Can international students use PayPal on campus in the US?

Directly: Yes, international students can use PayPal in the US, including on campus, as long as they meet PayPal’s identity and banking requirements. If all requirements are already met, PayPal will work in the US just like it works for any other resident.

What an international student needs for PayPal to work in the US

PayPal in the US is stricter than in many countries because it must verify identity for payment laws. Once the required details are provided, the account works normally for sending money, receiving refunds, paying rent to landlords who accept PayPal, or buying things online.

• A valid passport: PayPal accepts passports as ID if you do not have a US ID yet. This is used to confirm who you are.
• A US phone number: Needed for login codes and security checks. PayPal often blocks non‑US numbers for US accounts.
• A US address: A campus dorm address is fine. It does not have to be permanent.
• A US bank account or debit card: This is required to withdraw or add money. Bank accounts from Chase, Bank of America, Wells Fargo, or a campus credit union all work.
• SSN or ITIN: If PayPal requests it, this is normal. Not every student is asked immediately, but PayPal may freeze features until the number is added. An ITIN is acceptable if you do not have an SSN yet.
• Same country settings: The PayPal country must match where you are using the account. Do not keep using a foreign PayPal account inside the US with VPNs or foreign phone numbers; this often triggers freezes.

If the student already meets all requirements

If the student already has a US phone number, address, and bank account verified, PayPal should work normally on campus without extra steps. Payments to friends, online shopping, receiving refunds, and connecting to apps like Uber or Spotify usually work instantly. Occasional security checks may happen when logging in from a new device or network, but these are normal and not a sign of a problem.

Small but important reminders

• Never use a VPN with PayPal: It may trigger a temporary account lock.
• Always keep the phone number active: Losing access to the number is the most common cause of login issues.
• Do not send rent as “friends and family” unless you fully trust the person: That option has no buyer protection.

With the correct documents and a US bank account, an international student can use PayPal in the US without problems, both on and off campus.