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Last Verified: April 10, 2026
Confidence Level: High

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Overview

PayPal allows you to grant access to your accounts by creating a Secondary User. This is done through PayPal Business, where you can:
  • add a new user with their own login credentials
  • choose which accounts they can access
  • define what they are allowed to see and do, such as viewing balances or initiating payments
You will be setting up a user that can securely access account data and initiate transactions without sharing your primary login.

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Bank terminology

ConceptPayPal term
Delegated userSecondary User
AdminPrimary Account Owner

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Setup steps

1. Navigate to user management

Sign in to PayPal Business.From the top navigation, go to: Account Settings → Manage users → Update
Click Add user.Enter the user’s details:
FieldNotes
First nameRequired
Last nameRequired
Create user IDRequired
Confirm EmailRequired
EmailRequired
Our team will provide the exact details to use for this user. Please enter them exactly as provided to ensure the setup completes successfully.
Select the account or accounts this user should access.
This must be done for each account individually. If skipped, the user will not see any accounts.
SettingRecommended
Access levelREAD_ONLY
Balances✅
Transactions✅
Statements✅
Payments (initiate)❌
Approvals❌
Daily limitsSet as appropriate
The above example corresponds to read only functionality. If you want to enable Waycore to draft transactions on the portal, you should enable payments, approvals, and limits correspondingly.
Review the setup and click Done to complete.

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Important notes

If no account access is assigned, the user will see no data.
Secondary users cannot create or manage secondary user profiles for themselves or others. To let someone run reports and do other tasks, create two user accounts. If you give your user permissions to send or receive money, this user will need to complete verification.
Use one user per account if separate connections are required.