Restaurants That Accept PayPal - Frugal Reality

19 Restaurants That Accept PayPal (Delivery & Fast Food)

When credit and debit cards with chips debuted in the financial industry in the 1950s, the world made a giant step into a cashless economy. They made it possible to make payments at brick-and-mortar stores without the need to carry cash around or look for bank ATMs that dispense $5, $1, $50, and $100 bills nearby

Things have changed drastically with the advent of the Internet and cutting-edge fintech. The world is now switching to cardless, cashless, and contactless payment methods; it started with PayPal 20 years ago.

Founded in 1998, PayPal is the top online payment provider that facilitates online money transfer and payments processing worldwide. It’s made a name in the online payment game as the most popular and secure payment option for online vendors to receive payments from online shoppers.

PayPal has about 361 million active users, with 87.5% of online buyers using PayPal to cover purchases. It’s also making inroads in the mobile payment scene through the PayPal mobile app and its subsidiary mobile payment app, Venmo. Today, over 70 million customers use Venmo to send and receive money from family and friends, split bills, and make purchases at stores that accept Venmo.

Once you create your PayPal account, you can make purchases online and in-store using your PayPal balance. But what makes PayPal win is its ability to act as a secure digital wallet. You can link your bank direct deposit account, credit cards, and debit cards to your PayPal account and make payments directly from there without the need to give out your banking details to every merchant you visit. 

That helps add an extra security layer for your money and keeps fraudsters at bay. In addition, once connected, you can use your debit card without a PIN, which helps reduce PINless debit card scams where a fraudster may try to use a stolen debit card details to their advantage.

However, secure and convenient digital wallets like PayPal seem to have evolved faster than some retailers and restaurants can integrate into their checkout or POS systems. So don’t expect to use your PayPal wallet to pay for your favorite meals at every restaurant.

Knowing restaurants that accept PayPal upfront can help you prepare accordingly to avoid having the proper payment form. It leads us to the question:

What food places take PayPal?

Short Answer: Luckily, there’s an increasing number of fast food chains, food delivery, and restaurants that accept PayPal as a payment method. The top fast food places that accept PayPal include Burger King, Chick-fil-A, Dunkin’, Firehouse Subs, Jimmy John’s, Hardee’s, KFC, Little Caesars, Subway, McDonald’s, and Whataburger.

Top restaurants that accept PayPal online and in-store include Applebee’s, Buffalo Wild Wings, Chili’s Grill & Bar, Outback Steakhouse, Starbucks, and The Cheesecake Factory. Panera Bread and Papa John’s lead the pack among food delivery that accepts PayPal.

Restaurants that accept PayPal allow you to pay directly through their website or mobile app or use contactless mobile wallets like Android Pay or Samsung Pay. You can also pay with your PayPal Cash card.

Unfortunately, you can’t link your PayPal account to your Apple Pay Mobile wallet. That means iPhone users can’t pay touch-free with PayPal at food places that accept PayPal. But you can use any other funding source linked to your Apple Pay wallet to cover the bill or pay directly from the restaurant’s website or mobile app.

That said, not all restaurants accept PayPal as a payment method. The leading restaurants that don’t accept PayPal online or in-store include Jack In The Box, Five Guys, Domino’s Pizza, Chipotle Mexican Grill,  Taco Bell, Waffle House, Wendy’s, Sonic Drive-In, Del Taco, Texas Roadhouse, among others.

How Does PayPal Work When Buying Something?

PayPal is an online digital wallet that helps online shoppers make payments hassle-free. Merchants that accept it display the PayPal button on their site so that you can checkout without the need to enter your payment details every time.

Once you click the PayPal button and authorize the payment, money is taken directly from your account balance to cover the purchase. PayPal also allows you to connect your bank accounts and other payment cards. 

You can set any of the connected funding sources as your preferred payment methods. So, for example, when you buy something, you’ll be allowed to use any connected accounts to pay for goods, services, or your favorite meals at food places that accept PayPal.

The top advantage of connecting your debit card, credit card, and bank accounts to your PayPal account is because it helps add an extra layer of security to your banking details. 

Instead of entering your bank or credit card details at every site you shop, you pay directly from your PayPal account. It eliminates the need to expose sensitive details like your account number and PIN. The only thing merchants will see in your PayPal email.

That helps protect your hard-earned money from fraudsters who can use such details to hack your accounts and transfer money for fraudulent purchases.

You can also link your PayPal account to your favorite store’s mobile app or mobile wallets like Samsung Pay or Google Pay. Then, use your smartphone to pay for in-store purchases touch-free using money in your PayPal account. Alternatively, get the PayPal Cash Card that you can swipe at the store’s payment register to cover purchases using your balance.

How To Pay with PayPal for Food in Restaurants?

There are four options when it comes to paying for food in restaurants that take PayPal. You can pay directly through a restaurant’s website or app, through a mobile wallet, using the PayPal Cash Card or PayPal QR codes.

Using PayPal With a Website or an App

Choosing PayPal at the merchant’s checkout page to complete a purchase is closer to a traditional method.

You can use PayPal to pay online at any fast food delivery or restaurants that accept PayPal online. In addition, most food places offer an online ordering system where customers can order food delivery or pickup through the restaurant’s website or dedicated mobile app.

Once you place your order through the website or mobile app, you’ll see a PayPal button at checkout. Choose the PayPal option to pay with your balance or any other funding source connected to your account.

Using PayPal With a Digital Wallet

Digital mobile wallets allow you to pay touch-free at self-checkout counters. Once you tap the back of your phone against the payment terminal, payment details transfer wirelessly, and money is drawn from your digital wallet to cover the purchase.

Currently, three major mobile wallets dominate the contactless payment game, including Android Pay, Samsung Pay, and Apple Pay. However, so far, only Google Pay and Samsung Pay allow you to connect your PayPal account. So you’ll be able to use PayPal with any of the two e-wallets if you carry an Android or Samsung smartphone.

Mobile wallets allow you to connect different funding sources, including debit cards, credit cards, gift cards, prepaid cards, and checking accounts. So, you’ll first need to connect your PayPal account to your e-wallet.

Once linked, visit any restaurant that accepts PayPal and whose POS system supports contactless payment methods. Order your meal and place your phone against the checkout terminal until your phone vibrates. You’re done!

Since Apple Pay doesn’t allow users to link their PayPal account, you won’t be able to use your iPhone to make contactless payments at restaurants with your PayPal balance. But you can link your checking account or other payment cards if you want to checkout touch-free like your Android or Samsung counterparts. It uses your routing number at Navy Federal, PNC, Wells Fargo, Chase, or other financial institutions to link the funds.

PayPal Cash Card

The PayPal Cash Card is a Mastercard debit card that can buy food at any restaurant where Mastercard is accepted. Of course, most restaurants accept Mastercard in-store and online, so you shouldn’t have any trouble purchasing food at restaurants with your PayPal Cash Card.

To get the card, you’ll first need to open a PayPal Cash Plus account. Once you get the card, you’ll be able to make purchases using your balance and withdraw money at MoneyPass ATMs that dispense $10 bills. In addition, the card has no transaction fees and no ATM surcharges.

PayPal QR Codes 

The last option is to scan a PayPal QR code at the payment terminal at fast-food places that support QR codes. A cashier, restaurant server, or self-checkout counter will show you a QR code.

How to Use a PayPal QR Code?

To pay, open your PayPal app and tap the Scan/Pay option. Then hover your smartphone’s camera over the QR code to scan it. Once you confirm and authorize the payment, money is drawn directly from your PayPal balance or your preferred linked payment method to cover the purchase.

However, not many restaurants support the QR code payment system. But if you’re lucky to find food places that do, don’t be afraid to take advantage of PayPal QR codes to pay so you don’t have to pull out your debit or credit card.

How To Use PayPal with a Digital Wallet at a Restaurant?

You can use PayPal with a digital wallet that allows you to connect your PayPal account. In addition, a digital wallet enables you to pay touch-free for in-store purchases at places that have NFC terminals.

Apple Pay, Android Pay, and Samsung Pay are the dominant contactless digital payment wallets. Both Samsung Pay and Android Pay allow you to link your PayPal account, but Apple Pay doesn’t. You can also link other payment cards like unexpired debit cards, credit cards, and your checking accounts.

To use your PayPal with your e-wallet, you’ll first need to link your PayPal account to your digital wallet and set it as your preferred payment method. Then go to the checkout counter and tap the back of the phone against the payment terminal. 

With your e-wallet enabled, payment details are transmitted automatically to the checkout terminal. Once the payment is processed, your phone will vibrate to alert you that the payment has been made successfully. And you’re done. Collect your hamburger, pizza, a bag of ice, and go.

Fast Food That Takes PayPal

A fast food place nearby is always a blessing when you’re tight on schedule and don’t have much time to cook. At least, you can go there and enjoy your favorite meal after a long day of work as you reflect on your financial goals, like saving $10,000 in a year or retiring with a six-figure or seven-figure nest egg. 

It’s even better if you can find fast food places that accept PayPal. Luckily, several fast food places accept PayPal through their websites, mobiles apps, or e-wallets, including:

1. Burger King 

Burger King has over 7,200 fast food burger locations in the US. The second-largest hamburger chain has over 11 million people visit one of its restaurants worldwide each day.

Ways to pay with PayPal: In the Burger King app
How to use PayPal at Burger King: Place your food order on the Burger King app or website, then select the PayPal payment method at checkout.
Download Burger King app: Apple App Store or Google Store

Find a nearby Burger King that accepts EBT and PayPal. 

2. Chick-fil-A 

Chick-fil-A has around 2,500 fast food restaurants that serve chicken in the US. Its famous chicken sandwich is fried in a secret 100% refined peanut oil recipe.

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at Chick-fil-A: Use your phone to pay after linking your PayPal account with your e-wallet.

Find a nearby Chick-fil-A fast food restaurant that accepts PayPal.

3. Dunkin’

Dunkin’ has more than 8,500 restaurants in 41 states that specialize in bakery goods that accept EBT funds. It featured over 50 varieties of donuts with premium beverages, breakfast sandwiches, bagels, and more. 

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at Dunkin’: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay. Then, place your order through the app after adding funds to your Dunkin’ virtual card or prepaid card for in-app purchases.

Download Dunkin’ app: Apple App Store or Google Play Store

Find nearby Dunkin’ donuts and coffee store that accepts PayPal. 

4. Firehouse Subs

Firehouse Subs have around 1,200 sub shops in the US. It’s known for its toasted hot specialty subs, salads, and specialty items.

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at Firehouse Subs: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find a nearby Firehouse Subs fast food shop that accepts PayPal.

5. Jimmy John’s

Jimmy John’s has more than 2,700 sandwich shops across 43 states. It’s known for its simple menu, and its fresh produce, and lack of artificial ingredients. Also, Jimmy John’s has speedy meal delivery from its own drivers but recently partnered with DoorDash to deliver food to your home or office.  

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at Jimmy John’s: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find a nearby Jimmy John’s fast food sandwich shop that accepts PayPal.

6. Hardee’s

Hardee’s has over 1,800 fast food burger places across the US. It’s known for its innovation in hamburgers, such as the “Thickburger” made with 100 percent Black Angus beef. 

Ways to pay with PayPal: Use Samsung pay only for in-store payments and pickup to-go’s
How to use PayPal at Hardee’s: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find your nearby Hardee’s fast food restaurant that takes PayPal.

7. Kentucky Fried Chicken (KFC)

Kentucky Fried Chicken has around 4,000 fast food restaurants across the US. It’s the second-largest restaurant chain by sales across the globe, after McDonald’s. KFC’s most popular items include a chicken sandwich, mashed potatoes with gravy, coleslaw, and mac & cheese.

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at KFC: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find a nearby KFC fast food place that accepts PayPal.

8. Little Caesars

Little Caesars has over 4,200 pizza places across 24 states. It’s known for its “hot and ready” selection of take-and-go pizzas.

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at Little Caesars: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find a nearby Little Caesars pizza place that accepts PayPal.

9. McDonald’s

McDonald’s has over 14,100 fast food restaurants across the US. It’s in 49 of 50 state capitals except for Montpelier, Vermont. McDonald’s offers senior discounts and is known for its hamburgers, cheeseburgers, fries, breakfast, and consistency across all its chains. 

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments.
How to use PayPal at McDonald’s: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay.

Find a nearby McDonald’s that accepts EBT and PayPal deals in the drive-thru.

10. Subway

Subway has around 24,000 in the US and over 42,000 sandwich shops across the globe.  It’s been known for its inexpensive sandwiches and salads since being founded in 1965.

Ways to pay with PayPal: Use either Android Pay or Samsung pay for in-store payments, in-app, or online purchases.
How to use PayPal at Subway: For in-store purchases use your phone to pay after linking your PayPal account with your Samsung e-wallet or Android Pay. Place your food order on the Subway app or website, then select the PayPal payment method at checkout.

Download Subway app: Apple App Store or Google Play Store

Find a nearby Subway fast food shop that accepts PayPal and EBT.

11. Whataburger

Whataburger has over 820 burger shops, mainly in Texas. It’s known for its 100% pure beef burger with a toasted bun. Whataburger is also one of the few restaurants open 24-hours

Ways to pay with PayPal: Whataburger app for in-store payments
How to use PayPal at Whataburger: Use your mobile device to pay after linking your PayPal account with your e-wallet.
Download Whataburger app: Apple App Store or Google Play Store

Find a nearby Whataburger fast food restaurant that accepts PayPal.

Restaurants That Accept PayPal

You won’t find many restaurants that accept PayPal. However, a few restaurants appreciate that a customer’s payment method shouldn’t be a barrier to eating. Plus, anytime they say, ” we don’t accept PayPal,” it means lost revenue or customers who might be served better by the competition. A few restaurants accept PayPal through PayPal e-wallets, websites, and mobile apps to stay ahead of the game. They include:

12. Applebee’s

Applebee’s has over 1,600 casual dining restaurants in the US. It’s known for its lunch and dinner meal deals and cheap cocktails. 

Ways to pay with PayPal: Use Android Pay or Samsung Pay for in-store payments and pick up food.
How to use PayPal at Applebee’s: For in-store purchases, use your PayPal e-wallet to pay your bill on the table’s tablet using your phone and tapping the table tablet. 

Find your nearby Applebee’s restaurant to order food with PayPal. 

13. Buffalo Wild Wings

Buffalo Wild Wings has over 1,200 sports bar restaurants across the US. It’s known for its buffalo-style chicken wings, chicken tenders, and legs with over a dozen sauces. They have a full menu with burgers, appetizers, tacos, salads, desserts, and sell alcohol. 

Ways to pay with PayPal: Use either Android Pay or Samsung Pay for in-store payments and pick up food.
How to use PayPal at Buffalo Wild Wings: For in-store purchases, use your PayPal e-wallet to pay your bill on the table’s tablet using your phone and tapping the table tablet. 

Find your nearby Buffalo Wild Wings food place that takes PayPal for dine-in and to-go orders.

14. Chili’s Grill & Bar

Chili’s Grill & Bar has over 1,200 casual dining restaurants across the US. It’s known for its gourmet burgers, southwest flavors, and meal deals, and drink specials.

Ways to pay with PayPal: Use either Android Pay or Samsung Pay for in-store payments and pick up food.
How to use PayPal at Chili’s Grill & Bar: For in-store purchases, use your PayPal e-wallet to pay your bill on the table’s tablet using your phone and tapping the table tablet. 

Find your nearby Chili’s Grill & Bar restaurant that you can buy food with PayPal.

15. Outback Steakhouse

Outback Steakhouse has around 700 casual dining restaurants across the US. It’s known for its steak, ribs, seafood, chicken, and its famous Bloomin’ Onion for dine-in, curbside pickup, and delivery. 

Ways to pay with PayPal: Use either Android Pay or Samsung Pay for in-store payments and pick up food.
How to use PayPal at Outback Steakhouse: For in-store purchases, use your PayPal e-wallet to pay your bill on the table’s tablet using your phone and tapping the table tablet. 

Find your nearby Outback Steakhouse food place that takes PayPal for dine-in and to-go orders.

16. Starbucks

Starbucks has over 15,000 coffeehouse stores across the US. It takes credit cards, Reliacard balances, gift cards, Amex gift cards, and mobile payments via its Starbucks app like Apple Pay and Google Pay. 

Ways to pay with PayPal: Use the Starbucks app to link your PayPal account. 
How to use PayPal at Starbucks: Your PayPal account can be used to pay directly through the Starbucks app or use funds to reload your card.
Download Starbucks app: Apple App Store or Google Play Store

17. The Cheesecake Factory

The Cheesecake Factory has over 300 upscale casual restaurants across the US. Its menu offers over 200 items, including appetizers, pastas, pizzas, specialty salads, steaks, sandwiches, and desserts.

Ways to pay with PayPal: Use PayPal for curbside orders and dine-in using it in-store or the CakePay app
How to use PayPal at The Cheesecake Factory: Its CakePay app allows diners to place food orders or use it as the payment method when dining in.
Download Subway app: Apple App Store or Google Play Store

Find your nearby Cheesecake Factory to order food online with PayPal for dine-in. 

Food Delivery That Accepts PayPal

Food delivery has been on the rise, especially in uncertain post-COVID times. Even so, sometimes you don’t feel like getting dressed to drive to a restaurant and would instead order food for delivery.

There are a couple of food delivery places that take PayPal, including:

18. Panera Bread

Panera Bread has over 2,100 café and bakery fast-casual restaurants across the US. The bakery chain is known for its bread bowls, salads, artisan sandwiches, flatbreads, paninis, pastas, side dishes, and desserts.

Ways to pay with PayPal: In the Panera Bread app or online
How to use PayPal at Panera Bread: Place your food order on the Panera Bread app or website, then select the PayPal payment method at checkout.
Download Panera Bread app: Apple App Store or Google Play Store

Find a nearby Panera Bread food delivery that accepts PayPal. 

19. Papa John’s

Papa John’s has over 3,100 pizza places across the US for pickup or delivery.

Ways to pay with PayPal: In the Papa John’s app or online
How to use PayPal at Panera Bread: Place your food order on the Panera Bread app or website, then select the PayPal payment method at checkout.
Download Papa John’s app: Apple App Store or Google Play Store

Find a nearby Papa John’s pizza place to order food online with PayPal.

Restaurants That Don’t Accept PayPal

Not so many restaurants have managed to keep up with the changing times. Most of them are yet to upgrade their payment processing terminals to catch up with the sea of change in the financial sector. Thus, you’ll find many restaurants that don’t support PayPal e-wallets or PayPal payments through their website or mobile app. 

Top restaurants that don’t take PayPal include:

  • Arby’s
  • Bojangles
  • Carl’s Jr.
  • Carrabba’s Italian Grill
  • Cheesecake Factory
  • Chipotle Mexican Grill
  • Cracker Barrel
  • Culvers
  • Dairy Queen
  • Dave & Buster’s
  • Del Taco
  • Denny’s
  • Domino’s Pizza
  • Einstein Bros. Bagels
  • Five Guys
  • Golden Corral
  • IHOP
  • Jack In The Box
  • Jamba Juice
  • Jersey Mike’s
  • Longhorns Steakhouse
  • Olive Garden
  • Panda Express
  • PF. Chang’s
  • Pizza Hut
  • Popeye’s
  • Raising Cane’s
  • Red Lobster
  • Red Robin
  • Ruby Tuesday
  • Sonic Drive-In
  • Smoothie King
  • Steak ‘n Shake
  • Taco Bell
  • Texas Roadhouse
  • TGI Fridays
  • Tim Hortons
  • Waffle House
  • Wendy’s
  • Wingstop

Though, most of these restaurants accept Visa and Mastercard. It means you can use the card to pay directly with your PayPal account at any restaurant where Mastercard is accepted.

Alternatively, bring another payment method like cash, money on Reliacard, debit card, or credit card to avoid inconveniences.

Restaurants That Accept PayPal Summary

The restaurants above allow you to pay directly with your PayPal account through their website, mobile app, or your Android or Samsung e-wallet. Unfortunately, Apple Pay doesn’t allow you to link your PayPal account.

When ordering food online via your preferred restaurant’s website or mobile app, you’ll be able to pay directly with your balance or linked accounts by choosing the PayPal button at the checkout page.

To make contactless payments in-store, link your PayPal account to your Android Pay or Samsung Pay digital wallet. As long as your e-wallet is enabled, you’ll be able to pay touch-free by tapping your smartphone against the payment terminal. You can also scan a PayPal QR code if you find a place that supports them.

Alternatively, get the PayPal Cash Card and use it for purchases with your PayPal account anywhere Mastercard is accepted.

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