Pay Your Discover Bill With PayPal: A Complete Guide

Paying your credit card bill can be a hassle. You have to remember when it’s due, log into your account, enter your payment info and submit the payment. It takes time and effort each month. But what if you could simplify things and pay your Discover bill directly through your PayPal account?

PayPal offers a convenient way to pay your Discover card bill without logging into your Discover account. In this comprehensive guide, we’ll explain how paying your Discover bill through PayPal works, the benefits, and everything else you need to know to take advantage of this payment option.

How To Pay Your Discover Bill With PayPal

Here are the steps to set up and use PayPal to pay your Discover credit card bill

1. Link your Discover card to your PayPal account
2. Enable Pay with Rewards (if applicable)
3. Make payments through PayPal

Link Your Discover Card

The first step is linking your Discover credit card to your PayPal account. Here’s how:

1. Log into your PayPal account
2. Click on the “Wallet” tab
3. Select “Link card”
4. Enter your Discover card details and confirm

Once your Discover card is successfully linked, it will appear as a payment method in your PayPal Wallet.

Enable Pay with Rewards

If your Discover card offers cashback or rewards, you can enable PayPal’s Pay with Rewards feature. This allows you to use your rewards balance to make purchases and payments.

To set this up:

1. Go to your PayPal Wallet
2. Click “Link your Cashback Bonus” next to your Discover card
3. Accept the terms and connect your rewards balance

Your rewards balance will now be viewable in your PayPal Wallet.

Make Payments

When it’s time to pay your Discover bill, simply:

1. Log into your PayPal account
2. Click on the “Send Money” tab
3. Enter Discover Card as the recipient
4. Enter the payment amount
5. Select your linked Discover card as the payment method
6. Click send!

The payment will be immediately processed using your PayPal balance or other funding sources in your PayPal account.

It’s that easy! Once set up, you can pay your Discover bill in a few clicks from your PayPal account each month.

Benefits of Paying Discover with PayPal

Paying your Discover credit card bill through PayPal offers several benefits:

• Convenience – No need to log into your Discover account. Initiate payments from PayPal in seconds.

• Payment Flexibility – Use PayPal balance, bank account or other payment methods to pay your bill.

• Rewards – Instantly redeem Discover rewards when making bill payments.

• View Payment History – PayPal stores your Discover bill payment history all in one place.

• Automatic Payments – Set up recurring payments to have your Discover bill paid automatically each month.

Tips for Paying Your Discover Bill with PayPal

To get the most out of paying your Discover card through PayPal, keep these tips in mind:

• Set up text or email alerts from PayPal when making payments for added security.

• Schedule payments several days before the due date in case there are any delays.

• Always enter the correct full payment amount to avoid late fees.

• Linking business credit cards to use rewards is currently not supported. Only personal cards are eligible.

• Paying from your PayPal balance can help you earn money back on purchases.

• If a payment fails, PayPal will use a linked bank account, debit card or other source to cover it.

PayPal Purchase Protection

One final benefit of paying your Discover bill through PayPal is that you get PayPal Purchase Protection on eligible payments.

This provides coverage in case issues arise with the billing. For example, if you pay your bill on time but Discover says it was not received, PayPal can reimburse you under Purchase Protection.

There are limitations, but it adds an extra layer of security when paying important bills through PayPal.

Discover Card Rewards and PayPal

As mentioned above, you can use Discover cashback rewards or miles when paying your bill through PayPal using the Pay with Rewards feature. Here are some key things to know:

• Rewards are used at a rate of 1 cent per point or 1 mile per 1 cent.

• PayPal deducts the rewards directly from your Discover rewards balance.

• Rewards can only be used for personal card payments, not business cards.

• If you don’t have enough rewards, the remaining balance will be charged to your linked Discover card.

• Eligible purchases only. Rewards can’t be used for things like peer-to-peer payments.

Check the PayPal Rewards Terms and Conditions for full details.

Can You Pay Any Credit Card Bill with PayPal?

While PayPal’s direct credit card linking and payment options currently only work for Discover cards, you may be able to use PayPal to pay other credit card bills with a bit more work.

For cards from issuers like Visa, Mastercard, American Express, etc. you can:

• Pay your bill as a friend or family member using their name and email address

• Use the credit card issuer’s bill pay service if they accept PayPal

• Make a free electronic transfer into your bank account to then pay the bill

• Withdraw cash from your PayPal balance at Walmart or other stores to deposit and pay

These options take a few extra steps but can allow you to route non-Discover card payments through your PayPal account balance and linked funding sources.

PayPal Balance vs. Bank Account Payments

When paying your Discover bill via PayPal, you can choose to pay using your PayPal balance or directly from a linked bank account or debit card.

Here are some key differences:

• PayPal Balance – Instant transfers, immediate payment, can earn rewards, money not usable outside PayPal.

• Bank Account – Takes 2-3 days, money kept in your bank, bank account pulls the money at payment.

Both options work for paying your bill. Using your PayPal balance lets you access the funds instantly but they remain within the PayPal ecosystem. Paying directly from a bank account keeps your money in your bank until the payment and avoids balance transfer fees.

Can You Use PayPal Credit for Discover Payments?

PayPal Credit cannot be used directly to make Discover credit card payments at this time.

However, you can use PayPal Credit to add funds to your PayPal balance, and then use that balance to pay your Discover bill.

So it is possible to indirectly use your PayPal Credit line to pay your Discover card, just not directly. PayPal Credit is treated the same as a linked bank account or debit card when making payments from your balance.

Is Paying Discover with PayPal Safe?

Yes, paying your Discover credit card bill through PayPal is generally very safe. PayPal utilizes advanced encryption and fraud prevention tools to secure payments.

Here are some key security benefits when paying Discover with PayPal:

• Encrypted transactions for card linking and bill payments

• No need to input full card details into PayPal system

• Automatic alerts on payments add oversight

• PayPal Purchase Protection on eligible transactions

• Link and manage cards directly within PayPal app/site

Always use strong, unique passwords and enable two-factor authentication for optimal security. Also review linked cards and payment history regularly to detect any suspicious activity.

PayPal Balance: Frequently Asked Questions

Here are answers to some common questions about using your PayPal balance for Discover bill payments:

Can I use my full PayPal balance to pay Discover?

Yes, you can apply the entire PayPal balance towards your Discover card payment. The full balance can be used if sufficient to cover the payment amount.

What if my balance doesn’t cover the full payment?

If your PayPal balance does not cover the entire Discover payment amount, the remaining balance will be automatically covered by a linked bank account, debit card, credit card or other funding source.

Does PayPal charge a fee for Discover bill payments?

No, PayPal does not charge any fee specifically for paying your Discover credit card bill. However, standard fees for balance transfers or withdrawals out of PayPal may apply.

Can I schedule recurring Discover payments from PayPal?

Yes, recurring payments can be set up to automatically pay your Discover bill from your PayPal account on a schedule. Toggle on the “Make This a Recurring Payment” option when sending the payment.

How do I change the funding source for bill payments?

Within the payment flow, click on the funding source currently selected to change it. Choose another