Using Mass Payments in Your PayPal Account
The Mass Payments Process
In general, you complete the following steps to send Mass Payments from your PayPal account:
- Collect recipient information and create a payment file. See Creating the Payment File.
- Access the Mass Payments submissions page in your PayPal account. See Accessing Mass Payments.
- Upload your payment file. See Uploading a Payment File.
- View the status of your mass payment. See Payment Processing.
Creating the Payment File
First, create a payment file containing the Mass Payments details. A payment file includes recipient and payment information. Mass Payments lets you send up to 5,000 payments in one file.
You can create a payment file using a basic text editor application, such as NotePad or TextEdit, a spreadsheet application such as Microsoft Excel, or a database application. PayPal supports mass payment files with the following extensions:
- .TXT (Text, tab-delimited)
- .CSV (Comma Separated Value)
- .DAT (Text, tab-delimited)
Each line in the payment file represents one recipient and at minimum must contain the recipient's identification, the amount to pay, and the currency type. You can also provide custom information, if necessary.
Payment File Contents
The payment file includes the following information:
Note: Payments in the same payment file must use the same type of recipient identifier. For example, you cannot provide only an email address for some recipients and only a telephone number for other recipients in the same payment file.
Amount of the recipient's payment.
Note: Mass Payments supports the currency amount formatted specific to your (the sender's) country. A sender in Italy should enter the amount with a comma as the decimal separator (e.g.
Three-letter currency code. For a list of the valid codes, see Currencies and Currency Codes.
Note: You can have only one currency type per payment file. Payments in different currencies must have separate payment files.
Currency type codes are not case sensitive. For example, both
In general, you can send Mass Payments using most currencies. However, there are a few countries that place limitations on how their currency can be used or exchanged. If your Mass Payment request does not comply with the currency restrictions of your country, that portion of your Mass Payment request will fail, and you will get an error message describing the issue. See Countries with Currency Restrictions for information about the countries with restrictions.
Unique identifier. It has a 30-character maximum and cannot contain any spaces.
A unique sender defined message. When provided, this customized message is only sent to the individual recipient.
If you are a PayPal account holder in a country with currency restrictions, make sure that your Adaptive Payment code or Mass Pay file contains requests that meet your country's requirements. If any of the Mass Pay entries do not comply with the country's restrictions, those entries will fail with an error message.
The following table lists the countries with currency restrictions and describes the restrictions that apply to Adaptive Payments and Mass Payments.
Argentine users can:
Argentine users cannot:
Note Non-Argentine users cannot hold currency balances in ARS.
Brazilian users can:
Brazilian users cannot:
Note Non-Brazilian users cannot hold currency balances in BRL.
Malaysian users can:
Malaysian users cannot:
Note Non-Malaysian users cannot hold currency balances in MYR.
Preparing the Payment File
Collect your recipient information, then use the following instructions to create a Mass Payments file.
Choose how you will generate the payment file. You can use a plain text editor, such as Notepad or TextEdit, a database application, or a spreadsheet application like Microsoft Excel.
Arrange your recipient information. For example, if you are using Microsoft Excel to arrange your data, the file formatting guidelines are:
- Each row in your spreadsheet should contain the data for one recipient, divided into five columns.
- Optionally, the first row in the Mass Payments file can be treated as a header row.
- From left to right, enter the recipient's identifier (such as an email address), the payment amount, and the 3-letter currency code.
- The first three columns are required. The fourth and fifth columns are optional and can be used for your internal tracking purposes or for adding a customized note to the recipient.
Here's an example of how the data could be arranged.
Thanks for your business!
Note: Some countries have restrictions on sending and receiving payments in their currency. If your payment file entries do not fall within those restrictions, you will get an error message. See Countries with Currency Restrictions for a description of those limitations.
Generate the file. For example, to generate a Mass Payments file from Excel, save the file as
.csv(comma delimited). If you are using a different software application, make sure the program you are using allows you to save in the tab-delimited format. Here is an example of the contents of a tab-delimited text (
email@example.com 10.00 USD ID001 Thanks for your business! firstname.lastname@example.org 10.00 USD ID002 Here is your payment. email@example.com 10.00 USD ID003 firstname.lastname@example.org 10.00 USD ID004 email@example.com 10.00 USD ID005
Note: You can have only one recipient identifier type (either email address, PayPal
PayerID, or phone number) and one currency type in a payment file. If you need to send payments to different recipient types or multiple currencies, you must create separate payment files.
Accessing Mass Payments
You can access the Mass Payments submission page in your PayPal account on paypal.com.
Note: You can also use the MassPay API to programmatically generate and send mass payments. For information, see Using the Mass Payments API.
Log in to your PayPal account at https://www.paypal.com.
Your account Summary page opens.
Note: If you do not see the profile icon on the top right of the page, the My Account > Overview page opens.
Click Money at the top and then Send Money on the left.
Note: If you do not see the profile icon on the top right of the page, click the Send Money tab.
The Send Money page opens.
Click Make a Mass Payment. The Mass Payment page opens.
Note: If you do not see the mass payment option or if the mass payment page indicates you're not eligible to make a mass payment, contact PayPal customer support for assistance.
You can now upload your Mass Payments file.
Uploading a Payment File
Before uploading your payment file, make sure to check the following:
- Your Mass Payments file is a .TXT, .CSV, or .DAT file and it contains only one currency type and only one recipient identifier type.
- Your PayPal account contains enough funds to cover the total cost of the Mass Payments request. You can use only money from your PayPal balance for Mass Payments.
- Your PayPal balance must be in the same currency as your Mass Payments request.
- Access the Mass Payments page.
- Click Upload. Then, in the file open dialog box, select your payment file and click Open.
- Choose a category from the My recipients are identified by dropdown menu that matches the type of recipient ID you used. Choose from Email address, Phone number, or PayPal customer ID.
- Optionally, you can customize a Mass Payment email message sent to all recipients by entering text in the Email subject field and in the Custom message for recipient text box.
- Click Review. PayPal scans your payment file for errors. If the file is valid, the Mass Payment page displays the Review and send payment information with the associated fees.
- Review the displayed information. You can also preview the email message that the recipients receive by clicking Preview in the Email to recipient section. To edit the Mass Payments email message, click Make Changes. The Mass Payment page opens letting you make changes to your Mass Payments request.
- Click Submit to start processing your Mass Payment.
The Mass Payment page displays a Thank you. Your Mass Payment has been submitted message. PayPal notifies you when the payments have been sent.
From this page, you can click links to the following:
- View the details of the Mass Payments transaction. See Viewing transaction details for more information.
- Submit another Mass Payments request.
- Return to your account Account overview (Summary) page.
Reviewing Transaction Details
You can review your Mass Payments transaction details immediately after it has been submitted. The last page in the Mass Payments process includes a link to access the information. You can also access details about a mass payment in the Recent activity section of your account Summary (or Overview) page as well as from your account Activity (or History) page.
If the status of the transaction still shows as Submitted, you need to wait for the status to change to Processed or Completed to see the number of unclaimed payments. Give the process additional time, and check back later.
PayPal will place a temporary hold on the total monetary value of the Mass Payment, plus associated fees, until the status of the transaction is changed to Processed. After releasing the temporary hold, if one or more transactions is declined, your PayPal account balance may exceed the available account balance shown during the period of the hold.
View transaction details
- From the mass payment confirmation page, select View the details of this transaction. You can also view the details of a mass payment from the Recent activity section of your account Summary (or Overview) page as well as from your account Activity (or History) page.
- The Transaction Details page opens and displays summary information about the Mass Payments transaction, including
- Date and time submitted
- Date and time processed
- Total number of payments
- Processing status of the entire mass payment: Processing, Denied, Processed, or Completed. See the FAQs for more information.
- A table detailing the processing status of the payments grouped into the following categories: Claimed, Unclaimed, Denied, Returned, Pending, and Blocked. Place your mouse cursor over each of these status names on this page for a description or see status descriptions for details.
- To cancel an unclaimed payment, click by email address or name to search for the payment.
- You can also get additional information by clicking the Download Log button / dropdown menu to download the Batch log in either the .txt or .csv file formats. For information about the Batch log, see Downloading History Logs.
When a Mass Payments request is executed, PayPal processes each payment in your Mass Payments file. PayPal takes the payment amounts from your account and attempts to put them into the recipients' PayPal accounts. PayPal notifies recipients without a PayPal account by email that a payment is available and they must claim it. If a payment is unclaimed after 30 days, the money is returned to your account.
When the payments have been sent, PayPal sends you a summary email for each Mass Payment. You can then log in to your PayPal account and get the details of each transaction.
Every recipient receives an email notifying them of the payment. There are three scenarios for recipients.
- Recipients with a PayPal account tied to the email address that contains the payment notification can click a link in the email message, log in to their account, and access their payments. If a payment is sent to a mobile number, the recipient will receive a text message from PayPal.
- If the recipients have a PayPal account, but the payment is sent to an email address that is not tied to their account, they are offered an opportunity to log in to their account. Then, when they log in, the money is deposited to their account and the new email address is added to their account automatically. If the payment is sent to a mobile number not associated with a PayPal account, the recipient is sent a text message describing how to collect the payment. The mobile number is then added to the recipient's PayPal account.
- If the recipients do not have a PayPal account, their email message contains a link that directs them to a PayPal sign-up page. The sign-up process automatically confirms their email address. When they complete the sign-up process, the money is available in their new PayPal account. If the payment is sent to a mobile number and the recipient has no PayPal account, a link in the text message will allow the recipient to sign up for a PayPal account.
The status of individual records in a Mass Payment could be one of the following:
- Claimed — The payment has been processed, regardless of whether this was originally a unilateral payment.
- Denied — The payment failed because of an insufficient PayPal balance.
- Returned — Payment has been returned after 30 days.
- Unclaimed — This is for unilateral payments that are unclaimed.
- Pending — The payment is pending because it is being reviewed for compliance with government regulations. The review will be completed and the payment status will be updated within 72 hours.
- Blocked — This payment was blocked due to a violation of government regulations.