PayPal is one of the most widely used online payment platforms in the world, offering users a secure and convenient way to send and receive money. But many users often find themselves asking, “How can I withdraw cash in person who is using PayPal?” Whether you need physical money urgently, don’t have a linked bank account, or just prefer handling your cash face-to-face, there are several effective ways to convert your PayPal balance into physical currency. In this article, we explore detailed, step-by-step methods for withdrawing PayPal funds in person.


Withdraw Cash Using the PayPal Debit Card

The PayPal Debit MasterCard is the easiest and most direct way to withdraw your PayPal funds in person.

Key Features:

  • Instant access to your PayPal funds
  • Accepted at millions of ATMs worldwide
  • No need to transfer funds to your bank

Steps to Use:

  1. Apply for the PayPal Debit Card: Log into your PayPal account and request the card from the “PayPal Cash Card” section.
  2. Once approved, the card will be mailed to your address.
  3. Activate the card and set up your PIN.
  4. Visit any ATM that supports Mastercard.
  5. Insert the card, enter your PIN, and select “Checking” account.
  6. Withdraw your desired amount, subject to daily limits.

Tip: Look for MoneyPass or Allpoint ATMs to reduce or avoid withdrawal fees.


Withdraw Cash at Retail Stores via PayPal App

PayPal partners with major retailers to allow cash withdrawals directly through the PayPal mobile app.


Supported Stores Include:

  • Walmart
  • CVS
  • Rite Aid
  • Walgreens

How It Works:

  1. Open the PayPal app on your smartphone.
  2. Tap on “More” > “Add & Withdraw” > “Withdraw Cash”.
  3. Choose a participating retail location near you.
  4. Generate a barcode on your app.
  5. Visit the store and present the barcode to the cashier.
  6. The cashier will scan it and hand you cash directly.

Note: There may be a small service fee, typically around $3.00 per transaction.


Withdraw from ATM Without Card Using PayPal App (Walmart Method)

Some retailers such as Walmart offer cardless ATM withdrawals in collaboration with the PayPal app and cash pickup services.

Steps to Access Funds:

  1. Open the PayPal app.
  2. Tap on "More" > “Get Cash” or “Cash Pickup”.
  3. Enter the amount and select Walmart Pickup Location.
  4. Visit Walmart’s MoneyCenter or Customer Service Desk.
  5. Present your photo ID and pickup code.
  6. Collect your cash in person.

This is one of the most effective ways to withdraw funds without needing a physical debit card.


Receive a PayPal Transfer and Pick Up Cash at Western Union or MoneyGram

If you're trying to receive cash in person from someone who is using PayPal, Western Union or MoneyGram provides an excellent workaround.

Steps:-

  1. The sender transfers funds from PayPal to their linked bank account.
  2. They then visit Western Union or MoneyGram, either in person or online.
  3. Send cash to your name using the details you provide.
  4. Visit your nearest branch with a valid ID to receive your money in cash.


This method requires a trusted sender and patience, as bank transfers from PayPal can take 1–3 business days.

Use Xoom – A PayPal Service for International and Local Cash Pickup

Xoom is a service owned by PayPal that allows sending money directly to individuals for cash pickup at designated partner locations.

How to Use Xoom for Cash Pickup:

  1. Log into your PayPal account and click on “Send Money with Xoom.”
  2. Enter the recipient’s details and select the pickup country/location.
  3. Choose Cash Pickup as the delivery method.
  4. The recipient receives a pickup code and goes to the chosen partner agent (e.g., Ria, TransFast, Walmart).
  5. Show ID and code to get cash.


Pro Tip: Xoom works internationally, so it’s perfect if you’re traveling or abroad.

Transfer PayPal Funds to Bank and Withdraw In-Person

If convenience is less of an issue and you can wait a bit, you can always use the standard transfer method.

Steps:

  1. Link your bank account to PayPal.
  2. Transfer funds from PayPal to your bank.
  3. Visit your local bank branch or ATM to withdraw cash.

While this is not instant, it’s secure, reliable, and often free depending on your bank and account type.

Peer-to-Peer Method: Sell PayPal Balance for Cash


Sometimes the fastest way to convert your PayPal balance into cash is through person-to-person exchanges.

How to Do It Safely:

  1. Find someone you trust or use a verified local exchange service.
  2. Agree on a rate for the transaction.
  3. They send you cash in person or via a local bank transfer.
  4. You send them the equivalent amount via PayPal.

Caution: Only use this method with people you trust to avoid scams.

Use PayPal Funds to Buy Cryptocurrency and Sell Locally for Cash

This method is not for beginners, but it’s another path to get real money from PayPal:

  1. Buy cryptocurrency (e.g., Bitcoin) through PayPal.
  2. Transfer to a crypto wallet like Binance or Coinbase.
  3. Sell it for local currency via P2P trading or in-person exchanges.
  4. Receive the amount in cash.

Be aware of volatility and transaction fees when using crypto as a bridge.

Safety Tips When Withdrawing Cash in Person

To ensure your withdrawal process is secure, follow these precautions:

  • Always use official apps and services (PayPal, Xoom, Western Union).
  • Avoid sharing your account credentials with others.
  • When doing in-person exchanges, meet in public places with surveillance.
  • Always double-check the transaction before confirming.


Conclusion

Withdrawing PayPal funds in person is entirely possible through a variety of reliable, fast, and secure methods. Whether it’s via the PayPal Debit Card, retail store partners, Walmart pickup, or cash remittance services like Xoom, there’s a suitable solution for every situation. We’ve explored methods both instant and delayed, digital and physical, ensuring that no matter your circumstance, you can access your PayPal money as cold, hard cash—safely and efficiently.