Accept credit cards and checks* wherever your customers are – with PayPal Here. Accept more than just credit and debit cards. Take PayPal and checks, invoice from the app, and track cash payments. Payment funds are usually available in minutes in your PayPal account. Withdraw funds on the spot with a PayPal merchant debit card and get the added benefit of 1% cash back on eligible purchases made with your card. All card swipes and PayPal transactions have the same 2.7% rate with no hidden fees or commitments. Taking checks and issuing invoices are free of charge. PayPal Heretm works with Apple iOS and Android products, but unlike other mobile payment solutions, it comes with an encrypted card reader and is backed by PayPal’s world class risk management capabilities.