PayPal is a payment solution you can use with our Spendesk cards. As it's an online service, we recommend using our virtual cards and to save them into your PayPal account. That said, you can still use your Spendesk physical card if needed.

If you would like or need to use PayPal, here's how to proceed:

Step 1: generate a virtual card on Spendesk

First, you need to create a card request:

  • Log in to Spendesk.

  • Click on New request > Request a virtual card.

  • Choose a single-use card or a recurring payments card depending on your need and fill your request.

  • Once approved, generate your card.

👉 Depending on your policy, single-use cards might have to be approved. Recurring cards always need approval.

Step 2: add your virtual card on Paypal

  • Log into PayPal with your PayPal credentials

  • Go to your PayPal wallet

  • Select Add a new card.

  • Go back to Spendesk > Requests and copy/paste your card's details on PayPal.

  • Add your billing address on PayPal: we display it under your virtual card on Spendesk.

  • Save.

👉 If it's a recurring card, you won't need to make any edits after it's saved and you can use it multiple times!

Step 3: Contact Paypal's chat (to avoid currency fees)

Please skip this part if your Spendesk wallet's currency, card and the merchant's bill/total amount to pay are all in GBP.

Plastic cards and single-use cards

If your wallet is in EUR, USD (for card numbers starting with 5) NOK, SEK or any other currency than GBP, you must contact Paypal chat before making a payment to change the currency of your card. As your card is issued in the UK, Paypal automatically sets your card's currency to GBP otherwise, resulting in fees on your payment that will be hard to justify in accounting.

  • Go to Paypal's help page and select "send a message" in the options.

  • Go through the options until you can reach out to an agent.

  • Copy/paste this template and fill the bold parts with details of the card you need to change the currency of:


I would like to change the currency of the card I've just added to my Wallet, starting with these 4 numbers and ending with these 4 numbers : XXXX * XXXX.

As it is not possible anymore to opt for a currency change during payment on a merchant's website (as previously in "currency options"), we were advised by your support to proceed this way to change our card's currency and to avoid fees.

My card's currency is in EUR/USD/NOK/SEK (choose currency here), but as it's issued in the UK, Paypal automatically switches it to GBP before payment. I would like to change the currency to EUR/USD/NOK/SEK(choose currency here).

Thank you for confirming the execution of this task.

Have a nice day,

(your name)"

Subscription / Recurring cards

If you're planning on having a recurring payment, you have two options:

  • you can either follow the same steps as above for single-use and plastic cards,

  • either make a first payment (with fees) then edit the currency for future payments in Paypal > Settings (top-right corner) > Payments > Manage recurring payments > Click on a payment made with your recurring card > Click on the link in the payment mode > Click on "currency options" under the card details and select Convert with VISA/Mastercard (depending on the type of your Spendesk card).

Step 4: pay with PayPal and Spendesk

On the merchant's payment page:

  • Select PayPal as a mean of payment.

  • Choose your Spendesk card.

  • Click on "Currency options".

  • If you have a Euro Wallet on Spendesk, choose "Pay in Euro" otherwise as our cards are emitted in the UK, PayPal will charge you in British Pounds and FX fees will apply.

  • Validate the purchase.

  • Et voilà!

⚠️ If you're using PayPal for the first time, they may require a 4-digit verification code. You can find this code in your Spendesk account:

  • Look under the "Payments" tab

  • Select the correct payment

  • Click on "Show Transaction Description" and copy/paste the code.

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