PayPal Key virtual “master” card [Update: RIP Cheap tax payments]



  • 12/21/20: PayPal Key no longer works to pay federal taxes.
  • 12/17/20: PayPal Key will no longer work with Amex cards after January 4, 2021.
  • 11/27/20: PayPal Key no longer works with the Plastiq bill pay service.

Original post follows…

If you’ve previously turned your back on PayPal, it may be time to return.  Personally, I think that PayPal Key is worth it.  It’s a single virtual credit card number that can be used for all online purchases.  On the back-end, the purchase can be paid from your PayPal account funds, your bank account, or better yet, any credit card you have linked to PayPal.  I assume that PayPal Key got its name because it is similar to a master key which can unlock any lock.  In this case, it’s a master card which can “unlock” any purchase.  And it’s therefore fitting that PayPal Key presents to the world as a Mastercard.

PayPal Key virtual card number

PayPal Key Basics

PayPal Key is a virtual credit card number which lets you use your PayPal account to pay any vendor that accepts credit cards.  Within your PayPal account you can setup PayPal Key to draw funds from your PayPal balance, bank account, debit card, or credit card.  I recommend linking it to a credit card, of course, so that you can earn rewards for your purchases.

When you sign up for PayPal Key, you are given a card number, expiration date, and security code.  You can use this number for any online card purchase.

  • Direct Link to PayPal Key:
  • Features:
    • Link your PayPal Key to any payment source: any credit card (except Amex), debit card, bank account, or PayPal balance.
    • Change the payment source at any time (the change is instant) and as often as you’d like.
    • You may change the card’s security code at any time without changing your PayPal Key card number.
    • You can change your PayPal Key card number by deleting your key and creating a new one.
    • PayPal’s Purchase Protection Program applies to purchases made with PayPal Key.  PayPal Key’s terms state: “If you have a dispute with a PayPal Key purchase that you cannot resolve with the merchant, you have 180 days from the date of the transaction to open a dispute in the Resolution Center.”
    • Merchant code categories are passed through to your credit card.  For example, if you have a card that earns extra points for travel purchases, then you will still earn extra points even if the travel provider charged your card through PayPal Key.
  • Fees: You will incur a 1.1% foreign transaction fee if you make a purchase in a currency other than US Dollars, or from a merchant located outside the US.
  • Payment Network: Mastercard
  • Limitations
    • Amex cards will no longer work with PayPal Key after January 4, 2021.
    • Only one PayPal Key card number is available per PayPal account.
    • Transaction limit: $6,999.99
    • Daily purchase limit: $10,000.00 (this does not appear to be strictly enforced)
    • Google Pay works for online purchases only: You can add your PayPal Key card number as a payment card within Google Pay, but you won’t be able to use it in-person for mobile wallet payments.
    • Apple Pay is not supported
    • Samsung Pay is not supported
    • PayPal Key supposedly cannot be used for merchant manual entry.  This is according to the terms & conditions.  In practice, though, it seems to work.  In other words, it should work with phone orders.
    • PayPal’s Return Shipping on Us service is not available for PayPal Key transactions.
  • PayPal Key Terms & Conditions: Found here

Why PayPal Key is useful for earning rewards

Credit card bonus spend

With PayPal Key, you can setup a single credit card number with each payee and regularly change which actual card is charged.  Suppose that you spend a lot online and through repeated bill payments.  In that case, you can use your PayPal Key for all of these payments while always making sure that your most profitable card is being used on the back-end.  For example, if you regularly sign up for new cards in order to earn big welcome bonuses, you can link PayPal Key to your newest card, wait until you’ve met the signup bonus minimum spend criteria, and then link your next new card.

Use wherever Mastercards are accepted

Some vendors don’t accept all types of credit cards, but with PayPal Key you can still use your Discover card (for example) to pay because PayPal Key presents as a Mastercard.  Similarly, some services put fewer restrictions on Mastercard payments and so PayPal Key increases your options.

Earn PayPal bonuses

Chase Freedom Flex Q4 2020 5% Categories

Chase Freedom Flex, Freedom Visa, and Discover It cards often offer PayPal as a quarterly 5% category.  Discover offered PayPal in the third quarter of 2020 and Chase offered it in the fourth quarter.

When you link one of these cards to PayPal Key and pay online with PayPal Key, the purchase activates the card’s 5% rewards!

Continue to earn card category bonuses

Even though charges are processed through PayPal, the original vendor’s merchant category pushes through to your credit card.  This is great because many cards offer category bonuses where they offer extra rewards within certain categories of spend (see: Best Category Bonuses: Which card to use where?).

To give just one example that I’ve tried out, the Altitude Reserve card offers 3X for travel purchases.  It also lets you redeem points at 1.5 cents each to pay for travel purchases via a feature called Real Time Mobile Rewards.  So, as an experiment, I linked PayPal Key to my Altitude Reserve card and then used PayPal Key to load $25 into my Uber account.  This triggered Real Time Rewards and counted as travel for 3X rewards.

Continue to earn card-linked merchant offers

While this probably won’t work in all cases, we have at least one datapoint indicating that a Chase Offer (5% back at Estee Lauder) worked even though the purchase was made with PayPal Key.  See details here.

Desired PayPal Key enhancements

While I’m a fan of what PayPal has done so far, I’d love for them to take it further.  Here are some enhancements I’d love to see:

Physical Card

It would be cool if they would make a physical version of the card so that it really could be used everywhere.  One challenge with this is that they allow users to change their security codes, so they wouldn’t be able to keep the code written on the card (or they’d have to use something like e-ink technology which could be expensive).  That said, I can’t remember when I’ve needed the security code for an in-person purchase.  In the rare event that it’s needed, you can either remember it or find it in the PayPal app.

Apple Pay, Google Pay, and Samsung Pay

Next best after having a physical card would be the ability to load PayPal Key into mobile wallets so that you can pay in-person with your phone or smart watch.

Payment rules

This would be the killer feature that, combined with the ability to pay in person, would make PayPal Key completely awesome.  My idea is that PayPal would let us setup simple rules like these (the following are examples):

  • If merchant is classified as a restaurant then charge Citi Prestige Card (5X)
  • If merchant is classified as a grocery store then charge Citi Premier Card (3X)
  • If merchant is classified as a drug store then charge Freedom Unlimited Card (3X)
  • If merchant is then charge Discover It Card (5X when Amazon is a 5X category)
  • If merchant is then charge Freedom Flex Card (5X when is a 5X category)

Change payment card on the fly (or go back in time)

If for some reason PayPal can’t pull off payment rules, then it would be cool if they offered the ability to select your card at the time of payment.  Anytime you use PayPal Key the PayPal app would pop up and say something like “Uber (travel provider) is requesting $25.00 to be paid through PayPal Key. Which linked card would you like to use for this purchase?”

Even better would be for PayPal Key to support something like Curve’s “Go Back In Time” feature where you have 14 days to change your mind about which card is actually charged for any given purchase.

Multiple PayPal Keys

If PayPal can’t provide payment rules or the ability to change the payment card then I’d like to see the option to have multiple PayPal Keys.  This way, for example, I could setup one PayPal Key for travel related purchases, one for food delivery, and one for everywhere else.

PayPal Key Questions & Answers

We know you have questions about this (for instance here in our Youtube Live). At this point I’ve only just scratched the surface of ways to use PayPal Key so I don’t yet have a lot of answers, but here’s what I have for you so far… (I’ll update as more is learned).

Cash advance?

Most purchases made with PayPal Key do not show up as cash advances and do not incur cash advance fees.  Safe transactions (as far as I can tell) include things like: paying for products, paying taxes, and paying bills by debit card.  I haven’t encountered any cash advance fees yet.  However, I have no doubt that some financial transactions will appear as a cash advance.  If you want to be safe, you can call your credit card issuer to ask them to reduce your cash advance limit to $0.  Some won’t allow that, but you may at least be able to reduce it to a very low amount.

Card linked offers?

I don’t know if credit card linked offers will work through PayPal Key.  This would include things like Chase Offers and Citi Merchant Offers, as well as card-linked apps like Drop and Dosh.  I’ll update this section once we have test results.


What happens when you return an item that you purchased through PayPal Key and you now have a different card linked to PayPal Key?  Does PayPal remember which card was linked and refund to there or does it post the refund to the currently linked card?  The PayPal Key Terms & Conditions do not answer this question.  One reader said that a return went to their PayPal balance. I haven’t yet confirmed this.

Final Thoughts

PayPal key is already a very useful service.  For example, I love that I can setup repeated payments but change at any time which card is actually used for those payments.  If PayPal Key is enhanced to make possible in-person payments and payment rules (see my desired enhancements, above), I’d be thrilled.  That said, PayPal Key lost a lot of its luster when PayPal announced that Amex cards would no longer be supported.  Most of my previous use-cases for PayPal Key were with using PayPal Key as a way to pay with Amex at places that don’t accept Amex cards.

Let’s show PayPal some love and encourage proper use.  If you find ways to use this service that are not as intended, please do not share the details with others (if you find your comment deleted, this is why).  We do not want people abusing PayPal Key to the point where it will be shut down or rendered useless.

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[…] interesting addition to your wallet for a number of reasons. It works in a somewhat similar way to PayPal Key in that it’s a single debit card number that you can use for your transactions, but you can link […]


PayPal Key’s usefulness is dwindling. Have used to pay my condo dues online this quarter for the Freedom 5X bonus. Went to pay next month’s dues and the transaction is declined.


Has anyone tried to load a Bluebird using PPK? If so, what was the result?


What’s the details on the tax payments? First I heard of it.


Yeah, I just didn’t see DPs of it being dead for taxes. I had big plans…oh well.


Is a $10.63 service fee worth it for 5x points on a $425 sewer tax bill? I would earn 5x, right?

[…] PayPal Key virtual “master” card: Unlock the power of all of your cards [Update: Paypal kills Am… […]


Is paying a single $$$$ tax bill with AmEx / Paypal key before January safe? Don’t want to annoy AmEx – just interested in the lower debit card transaction fee for a single q4 estimated tax payment.


If I am understanding this correctly, I can use PayPal Key tied to a Citi DCB to pay my taxes as if I am using a debit card and pay $2 but earn 2% and earn $200-$2=198?


I tried to pay my taxes on using PPK using my Citi DCB. The charge wouldn’t process. Anyone else have an issue?


I think the $ limit varies per person regardless of your cc limit. Did u try submitting multiple smaller transactions?


How do you find out the limit? This is the message I received: We are sorry, but we are unable to authorize this transaction. Please verify the card number you provided. (I did.) In addition, many financial institution set daily purchase limits on debit card payments. for further information or to verify eligibility, please contact your card issuer. To try again with a different card, please select the edit button.


As a data point, Chase Offers does seem to work with PPK.
Estee Lauder purchase — $151.90.
Chase Offers had 5% cashback on Estee Lauder purchases on my Chase Freedom card. Earned $7.60 cashback.
I linked Chase Freedom to PPK, to earn 5% via the Chase Freedom 5% bonus for Paypal bonus. Earned 759.5 points on my Chase Freedom card.

Unrelated to PPK — Used a cashback site to initiate the purchase for cashback on top of the aforementioned bonus cashback/points.


I’m way behind on this and still haven’t set up my PPK, confused though, do you mind clarifying? If your Chase offer has 5% CB on EL, what does have to do with PPK? Just you use Chase card to buy EL directly and get 5% CB.

Now if you do link up your Chase to PPK and then make a purchase with EL with your PPK, does that purchase code as PyaPal or still EL? So if you have, hypothetically, BOTH offers, one for purchases on PayPal, and another offer for EL, which offer will be triggered with this PPK purchase on EL?


If I use just my chase freedom card (not the PPK number) on EL, then I would have only qualified for the 5% chase offer and not the chase quarterly bonus of 5%. However, as I used the PPK, the purchase codes as a PayPal purchase AND a purchase from EL thereby allowing me to stack both offers.

Those offers are basically card-linked offers. You would also be able to stack an additional offer via a cashback website (e.g. rakuten, topcashback, airline/hotel cashback sites, etc.)


Oh wow, didn’t realize they could be stacked like that, thanks for the clarification !


PayPal does remember the card you used to make the original purchase when you get a refund from a merchant. I’ve gotten refunds on my Chase cards that way, so refunds work just fine.


Got an Amex offer for 3x $5500 purchases to get 8800 bonus points (P2 got a similar offer; no idea where they get these numbers from) on my Amex Blue Business Plus, effectively providing 3.6X MR points.

I tried this with tax payments and they went through ($5,500 and $6,900). Now, I still have a couple of weeks before PPK stops taking Amex. Dare I do this with P2 and risk a shutdown?

P2 has 300K MR points.


which website did you use for tax payment? I tried PPK at PayUSAtax, Pay1040, and OfficialPayments, but they all failed.


Tax payments with paypal key / amex were working a while ago, but appear to be dead. Anyone tried making tax payments with paypal key / mastercard or visa to see if those are still working and allowing for the lower debit card fee?


Do we have to fly to Vegas and drive around to all the WalMarts or can we do this from home?


@Greg do you know if linking google pay to PayPal key and using the altitude reserve will trigger the 3x mobile wallet bonus?

Ryan del Mundo

Wouldn’t do a Revolut load. Card not accepted, and they only take debit cards.


I wish we could load prepaid cards to it!


It is a hit and miss with the PPK linked to my credit card. When I have used it as a debit card to make my car payment or mortgage payment it has been rejected. My debit card linked to my checking account will work to pay these bills but not PPK.
That is disappointing. Even more disappointing is it now not working with Plastiq payments.


Official notification from Plastiq:
“PayPal has notified us they will no longer be allowing PayPal Key debit card payments through Plastiq when your PayPal wallet is linked to a credit card. Here are a few options so you can still make your payments successfully.

As of now, PayPal continues to allow Plastiq payments from a PayPal Key debit card with wallets linked to another debit card, bank account, or existing PayPal balance. Please make sure you adjust any scheduled payments. 
Of course Plastiq also offers numerous other ways to make your payments outside of PayPal Key. You can pay with any major credit or debit card, or use our new cash payment feature.
Thanks for choosing Plastiq as your one-stop payment platform. We’re excited to continue helping you pay your way by releasing new features and improvements you’ve asked for.
Thanks for being a Plastiq customer,
Your Plastiq Team”

Last edited 2 years ago by SteveH

It’s unclear to me what PP means by “wallet.” Do they mean that the PPK must now be attached to another debit card? Or, do they mean that all cards in PP or PQ must be a debit whether attached to PPK or not? Anybody know?

rick b

Hey here’s an idea, attach a P2 PPK card to your PPK wallet, and have P2 use a CC on their end 🙂 That’s inception level MS right there.


One heads up with PPK is with how PayPal deals with fraudulant charges. We
I’ve recently been using it with one of my Chase cards without problems. I noticed two unauthorized charges to the same merchant that I did not make. I called the merchant (out of state auto dealership) and they had no idea.
I both filled a claim with PayPal, and later called them. Both claims were closed with the below text. The third try via phone I was politely told that I would need to take it up with Chase (which I am). A bit of a pita.

Keep an eye on your charges and know that PayPal may not respond to these types of issues as well as the big banks.

Paypal text (not bevy inspiring):

We have reviewed this transaction(s) and are denying your case(s). This decision was made because this transaction was not unauthorized.

If you’d like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address:

PayPal, Inc.
Attn: Unauthorized Account Access Appeal
P.O. Box 45950
Omaha, NE 68145 

We’re sorry for any problems you may have experienced with the transaction(s).

Miles Ahead

Greg/Nick (or anyone who knows), mote of a paypal 101 newbie question…
When trying to link paypal to Samsung or Google pay for in store purchases, those payment methods default to bank withdrawals in spite of my settings jn PP to CF cc.
Is it just not possible to use Samsung or Google Pay via Pp this way (do you need a pp key for this, which isn’t possible with these payment types anyway…????

Chief Babaracus

As stated very clearly in the article, PPK doesn’t work for in store purchases.

Miles Ahead

Thank you. And I appreciate the responses. I read the article. My question was re. linking the PayPal APP to Google or Samsung pay and using pp app to link to the other apps and pay w cc via pp in store, Not ppk. Perhaps there is no way. I thought there may be a way . I fully understand ppk does not from the article. So this isn’t ppk question. It’s a pp app link question. Thanks


Would paying my apartment rent which accepts PayPal key as debit be eligible for Citi’s 5% back on online purchases?


I attempted to pay my rent via ClickPay, but they recognized the card as a credit card rather than debit and therefore was going to charge me a 3% credit card fee.


I tried using PPK to load my Starbucks account using a Chase Freedom that I had two Starbucks Chase offers on. It did not trigger the offer. This was several weeks ago.


I was able to use PPKey with Plastiq this morning, so it’s not completely dead. Large purchases, too, as I was paying property taxes (split into two tx to stay under $6999 limits).

Last edited 2 years ago by D'Elle

Yes, it did. Bank of America Travel Rewards Visa.


I had originally scheduled one of my prop tax payments, but just now changed it to process today…it worked!


awesome post!


This is great for this quarter for 5%. Seems like every day lately there is a new, better way to earn miles/points. Thanks for the post.


Big bummer rejecting plastiq. I was paying off my mortgage with credit cards hitting numerous bonuses. I tried again today to pay my Mortage via pay pay key and plastiq and it rejected . It was great will it lasted.


Try again. I used it at 9:30a PST and it worked.


Just tried for 3000 and 2000 . Rejected both. Did you pay mortgage via ppk and plastiq?


Property taxes via ppk and plastiq for $4000 and $3600. ppk linked to Bank of America Travel Rewards Visa.


Ok maybe mortgage is rejecting only .


Just try my heloc too and failed. I’ll try my property taxes soon .


Please report back. My PLOC failed too since yesterday on all amounts (when scheduling, not after scheduling and before processing like @Greg said).


Yep seems like it’s dead for
Mortgages and Helocs. But numerous data point seem like it’s okay for taxes. Not too eager to pay my property taxes this early but I’ll do it to hit my jet blue biz bonus . Will let you know if it works .


Another very cool thing is its debit card status. That means you can use a credit card for expenses that normally don’t allow them. For example, I can make my car payments using a debit card, but not a credit card.


Please tell me more. This is exactly the information I was looking for when reading this post and the comments. Wondering if PPK is seen as a debit card then I’d like to pay college tuition for no fee with it (amongst other smaller monthly bills). TIA


YMMV. For example, when I tried to use with Venmo it got declined. But I have used it to pay tuition charges. The charge appears and PP Merchant Charge in your Amex statement.


Thank you. Would not be Amex but chase. And do any fees charged by the institution for credit card charges still apply? Hoping to find a way to pay via credit card and avoid the fees for remaining semesters. Would be enough points for business class to Europe for 2, lol. I know, first world problems.


Not sure if anyone else has run into this when it comes to switching linked cards as I have done this with two Freedoms to max out the 5% category.

If Paypal hasn’t processed the payment yet and the charge hasn’t posted to your actual card then I’ve seen the charge go onto the new card you linked instead of the original one. Makes sense, but didn’t think about it when first using Paypal Key. Not sure if it happens when Paypal completes the payment (goes from Authorization to Purchase), but the charge is still pending on the link card.


It is not working on Plastiq yesterday and today, even for amounts under $100. Anyone else having trouble?


I was able to use it at 9:34a PST today.


5x doesn’t seem to be earning anymore with Freedom for 11/15+ transactions on Amazon and Plastiq. Anyone else?


Is there any possibility that PPK purchases could turn into cash advances afterward? Amex told me that my CA limit can only be reduced to $5K on each acct, & Chase says $100 is their minimum. But, can a purchase turn into a CA at the discretion of the bank even if these limits are exceeded?

Larry K

It has suddenly become relevant to ask how Barclays works with PayPal key through plastiq. Any data? I know Barclays can be more aggressive charging cash advance.


Does this mean AMEX or Visa can work for paying mortgage on Plastiq?


This would seemingly be helpful for international purchases where the card that you want to use has a foreign exchange fee of higher than 1.1%. Such as the Freedom / Flex cards that have PayPal bonuses but foreign exchange fees of 2.5%.

Chief Babaracus

This doesn’t seem to be working in Canada. I tried Plastiq for a utility and was rejected by Plastiq (tried both a Chase visa and an Amex). I also tried direct at and while my order went through it was later cancelled (used Chase visa).

Chief Babaracus

To follow up, I tried again a couple of days later and it worked for,, a small e-tailer, and for Plastiq used to pay a utility. I don’t know what the issue was because I didn’t do anything different to make it work.


I pay my water, sewer and electric bills only. I have a credit card set up for auto payments. Would this work? I’m thinking it will. What do you think?


Has anyone had any returns with purchases using PPKey? Also any issues with business specifically Amex business cards?


The Paypal T&C state that returns will be a credit sent to the original form of payment. If they are unable to credit the original form of payment, it will be sent to your balance with PayPal. A recent return showed up in my paypal account with several options to cash out including holding as a credit in paypal, AHC transfer to a linked bank account, or issue of a paper check that takes a week or more to receive. The last option also comes with a nominal fee. I attempted the AHC transfer a few times, but received an error message each time. YMMV, but some interesting possibilities here.


FWIW, I just had my first PPK transaction using Plastiq denied using Chase Ink Biz Unlimited. $2,300.00. Sounds like the transaction limits are falling drastically.


Any idea how long it takes to get approved? I’ve had my Paypal account for quite a while now and applied for the Key on Friday but I’m still pending.


Still the same. Strange.


Mine has been pending for a few weeks as well. I did update my account to my legal name just before applying, so that may have triggered manual review. I tried bugging support and got a canned “we’ll email when review is complete” response. So… at least you’re not the only one?


Plastiq should charge 1% because ppk is a debit card. Also, you can change your # by deleting and creating a new ppk.


PayPal Key is a MC debit card, by the way. Handy for paying your taxes or utilities at a lower fee.

Vaibhav Shetge

Is the change which card to charge in backend instantaneous?


I can’t seem to link Amex Biz card to PayPal Key. just me?


I can’t add my Delta Business Reserve


paypal is a monopoly wannabee, they hijacked e-bay, they make their own rules (sometimes after the fact), froze accounts, sided with scam artists who make false returns and are a generally sleazy company….think Ticketmaster of online payment services…..blah


Does Paypal pass through the Level 3 data to Amex ? Have you tried?


I’d like to know this too. If PayPal doesn’t pass through the data, you’d be able to prevent AmEx from seeing what you’re purchasing.


Bummer, that our property tax charges 2.49% for MC debit, but if it was a Visa Debit it would only be $3.95 and save us almost $150 over paying with Plastiq 1%
Still better than 2.85%


So it would work for plastiq? Need to hit minimum spend on biz platinum and want to use platsiq for my mortgage payment.


I’m hoping that this will work for my business rent with my biz platinum or personal Hyatt with Plastiq since neither will work directly with Plastiq for that category.


Are there any fees to use PayPal Key? The T&C reference having a PayPal Cash or Cash Plus account. Are there any fees to have or use a PayPal Cash acct? (I’ve only used PayPal to transfer payments from Kiva to my bank — which is free.)


@Greg? ?

Nick Reyes

No fees to use PayPal Key.


I’m going to start once again paying my bills through Plastiq using this Paypal key
just to meet my required spending. Since Visa is not an option anymore through Plastiq ( in some cases ).


Trying to pay $9K insurance invoice through Plastiq using PPK linked to my 4x Amex Gold. Message “card declined by issuer” which I know is not accurate, I called Amex. Have been emailing with Platiq and they say the problem is with Amex. Thoughts? Suggestions?


Same happened to me. I’ve heard there is a max transaction limit, depending on account. Anywhere from$1500-3k. Daily max is 10k with ppk


Amex doesn’t allow insurance payments via Plastiq. That is specifically stated in T/C. Ask Sebby covered this recently.


Weird…it won’t accept the last 4 of my SSN on the “Please confirm your info” page, in spite of the fact that I’m entering the correct info and have had a Paypal account for over a decade.

Dodd Stolworthy

SAME HERE!!!! UGH!! I tried different browsers, no luck.

Dodd Stolworthy

I even set up a paypal cash account, like the DoC article said, but did not help. I guess it’s not available to me yet. Their website says it’s not for everyone yet.


same here

Mike Chicago

After several back and forths with Paypal’s crap customer service (only available via message center), someone finally tried resetting the account. It worked!


@Mike Chicago: Are u saying that resetting your PayPal acct helped solve the problem using PPK with Plastiq?

Mike Chicago

No, my comment was in reference to Miles & Dodd regarding problems with initial setup of PPK. Nothing to do with Plastiq issues.


I maxed out the Freedom Flex quarterly limit via PayPal, then I switched the PayPal Key to my Freedom (never got rid of it), and I’m proceeding to do the same. This is a great way of meeting the quarterly requirement. I just wonder how long it will last.

Larry K

I am going to predict not long. When it doesn’t make financial sense they seem to figure it out much more quickly than they used to these days.


The Unicorn assassin’s have really upped thier craft big time but they also have a lot more people spotlighting Unicorns as well.


Does this mastercard count as a new card for 5/24


So far the only vendor that rejected my PPK is Costco for a GC purchase, afterwards it went through fine with the linked card directly.


My PPK did work for Costco CG purchase from


I was successfully able to use the PayPal Key for manual merchant entry a few weeks ago (it was at a university health center)


I was able to use PayPal key a week ago for a phone purchase with a small merchant who keyed it in.


I’ve successfully used PPK 3-4 times now over the phone where they keyed it in.


Paypal seems to have problems with Chase cards. Although my chase cards are listed in my Paypal wallet, when it comes time to select a payment method with some vendors, or to select a default for Paypal Key, the Chase cards are not in the list, just Amex and BOA cards. So much for trying to use this for the Q4 Chase Freedom bonus.


Thanks. I did not unlink my chase cards in the Wallet, but I did add the Freedom Unlimited card within the Paypal Key menus, and I was able to set the Freedom Unlimited as the default. I went back to the Paypal wallet, and see that the Freedom Unlimited is still the preferred card for regular Paypal payments too. It’s just wierd.


I only have Chase cards in my PayPal account and I was able to select one among them.


I discovered this a few weeks ago. It’s a great way to use PayPal for Amazon purchases. If you link your Freedom or Freedom Flex card to your PayPal Key you’ll get the 5X 4th quarter bonus on PayPal purchases.


As far as the Chase quarterly PayPal bonus, if you use PayPal key say on Amazon, who doesn’t accept PayPal, wouldn’t Amazon come through as merchant code and not count toward a 5% bonus? I was was looking at this possibility yesterday and didn’t think it would work. Thanks for another great and timely article!


@Greg – any DP if Amex Offers or Chase/BofA/etc offers are triggered using PP Key?

So many possibilities my head is spinning up with activity…. kinda like the Hyatt Globalist mattress run math that Nick shared hahaha –


While Amex still has plenty of places it is not accepted, I am not aware of hardly any that accept MC but do not accept Visa. Other than limitations on Plastiq categories, are there any other “major” places where MC can be used but not Visa? SimplyMiles is a MC-only card-linked program, not sure what else would fall into that camp.

Chief Babaracus

Physical Costco stores in Canada take MC but not Visa.


Some places outside the US, especially where Maestro is big. That’s a pretty small niche (e.g. online purchases from small merchants in the Netherlands).

Gorf Langham



yes! will be soon!

Last edited 2 years ago by Rye

Very cool. Reminds me of the PayPal temporary card feature they used to have where you could generate a random, temporary MC card number for transactions. I used that feature all the time for the obvious security benefits (temporary card for a one time purchase that you didn’t want to use a real CC number for).