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Commercial Entity Agreements
Commercial Entity Agreements
Last updated on June 29, 2026
If you are a seller, and the card payments you receive using the PayPal services meet certain criteria, you are required under the card network rules to agree to a Commercial Entity Agreement with each card network member bank that processes such card payments. Such criteria are described in the PayPal User Agreement and/or other PayPal services agreements applicable to such PayPal services that you use. The applicable Commercial Entity Agreement(s) (as updated from time to time) apply to any such card payments processed through the relevant member bank(s). You may click on each hyperlink below to view the Commercial Agreement for each such member bank.
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Commercial Entity Agreement with JP Morgan Chase
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Commercial Entity Agreement with WorldPay
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Commercial Entity Agreement with Pathward
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Commercial Entity Agreement with Deutsche Bank
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Commercial Entity Agreement with Global Payments
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Commercial Entity Agreement with MVB Bank, Inc.
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Commercial Entity Agreement with Wells Fargo - Fiserv
Commercial Entity Agreement with JP Morgan Chase
JP MORGAN CHASE BANK
COMMERCIAL ENTITY USER AGREEMENT
This Commercial Entity User Agreement (“Commercial Entity Agreement” or “CEA”) is provided to PayPal Users that are Commercial Entities (as defined by Visa and MasterCard), who open a Business Account and who use PayPal’s services to accept Association (defined below) branded payment cards and PayPal payments from customers through their PayPal account (the “PayPal Services”). Each such entity or person receiving this CEA is hereby referred to as “PayPal Customer.” In this CEA, “you,” and/or “your” also refer to PayPal Customer. This CEA constitutes your separate legally binding contract between (1) you, as a Commercial Entity, and (2) JP Morgan Chase Bank N.A. (“Member”). In this CEA “we”, “us” and “our” also refer to Member. PayPal Customer has agreed to the online PayPal User Agreement found on the PayPal website (the “UA”) and, in certain cases, the PayPal Online Payment Services Agreement or other online agreement related to your direct acceptance of cards (“Card Services Agreement”) and/or signed the PayPal Payment Processing Agreement (“PPA”) with PayPal, each of which set forth requirements regarding the PayPal Services and are incorporated into this CEA by reference. Member may terminate its provision of credit and debit card processing services provided by Member to PayPal and you in connection with payments made to you through the PayPal Service and enforce any of the provisions of the UA and, if applicable, the Card Services Agreement and/or the PPA that relate to the credit and debit card processing services provided by the Member.
By signing the PPA or otherwise agreeing to this CEA (by “click through” agreement or otherwise) you agree to the terms and conditions of this CEA and any documents incorporated by reference. PayPal Customer further agrees that this CEA forms a legally binding contract between PayPal Customer and Member. Any rights not expressly granted herein are reserved by Member.
- Purpose of this CEA. When your customer pays you through PayPal, they have the option of paying you through a funding source offered on the PayPal website including a credit or debit card funded payment. Since you may be the recipient of a credit or debit card funded payment, Visa U.S.A., Inc. and Visa International (“Visa”) and MasterCard International Incorporated (“MasterCard”) (collectively the “Associations”) require that you enter into a direct contractual relationship with a bank who is a member of the Associations. By entering into the CEA, you are fulfilling the Association rule of entering into a direct contractual relationship with a member bank, and you are agreeing to comply with Association rules as they pertain to payments you receive through the PayPal Service.