PayPal has relaunched its services in the UK with a major update that brings together online and in-store payments under a single experience, backed by a new loyalty programme and the introduction of PayPal debit and credit cards.
The move marks one of the most significant overhauls of PayPal’s UK proposition to date, aimed at making everyday payments more flexible and rewarding for millions of British consumers.
At the centre of the relaunch is PayPal+, the company’s first global loyalty programme, which is debuting exclusively in the UK. Customers can sign up through the PayPal app at no cost and start earning points on almost every purchase made online or in-store. Points are earned whether consumers pay via their PayPal balance, a linked card, or through Buy Now, Pay Later options such as PayPal Pay in 3. Every 1,000 points redeemed provides £10 to spend when checking out with PayPal, and the programme is compatible with other loyalty schemes, allowing users to stack rewards to increase value.
PayPal+ operates through a tiered system, starting with Blue and progressing through Gold and Black. Higher tiers unlock greater benefits including up to 50% more value when redeeming points, alongside VIP experiences and additional exclusive perks. This structure aims to offer meaningful rewards without membership charges or limits on how consumers redeem their points.
A major part of this relaunch is the introduction of the PayPal Debit Card for UK consumers—another first for the market. The card carries no PayPal transaction fees when used globally and links directly to the customer’s PayPal wallet. Shoppers can earn 10 times the usual PayPal+ points when using the debit card for everyday spending, significantly accelerating their rewards accumulation. Customers can also integrate the debit card into their smartphone wallets for seamless contactless payments.
PayPal Credit is also expanding beyond online payments through both virtual and physical card options that allow customers to use credit in-store. Eligible consumers will be able to earn PayPal+ points through these credit transactions as well, further extending the rewards ecosystem. PayPal Pay in 3 remains available as a flexible BNPL option that also earns points.
Alongside these launches, PayPal has partnered with Live Nation UK to offer PayPal+ members exclusive access to festivals, including priority ticketing and personalised onsite experiences. More brand collaborations are expected to be unveiled in the coming months.
The relaunch follows PayPal’s earlier pledge to invest £150m into developing new products for the UK market as it positions itself for the next phase of AI-enabled, omnichannel commerce.
PayPal Consumer Group general manager Diego Scotti said, “This is the start of an exciting new chapter for PayPal in the UK. We’ve listened to our customers and reimagined our products into one unified solution, offering the smarter way to pay both online and in-stores. With PayPal+, we’ve flipped the script on loyalty. That means no fees where others charge, a new debit card that delivers 10 times as many points, and more ways to get rewarded for everyday spend, including Buy Now Pay Later. This will redefine what value looks like with every payment.”
PayPal UK general manager Tamer El-Emary said, “Our investment reflects a deep commitment to British consumers, businesses, and communities. We’ve listened to our customers and built products that rethink how people use PayPal every day. For years, millions of people have trusted PayPal when they shop online or on their phones. Now we want to bring everything they love about PayPal online to the high street. Simple, secure, and now with PayPal+ it’s more rewarding.”
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