PayPal is a common and popular way to send and request payments all over the globe. If you shop online, you’re likely already familiar with how to make a purchase using PayPal. But it’s also possible to use PayPal to make a payment even if you don’t have a PayPal account yourself.

This can offer a convenient way to send money to friends and family, and also to make payments for goods and services. It’s worth noting, however, that sending money through PayPal without an account can be relatively costly.

PayPal can also be an expensive choice if you need to make payments internationally, whether or not you have an account with them. For international payments, in particular, you could save a lot of money if you choose an alternative provider, such as TransferWise. More on that later.

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With that said, here’s all you need to know about making a payment with PayPal — with or without an active PayPal account.

Using PayPal to pay internationally? There are a few catches.

PayPal allows users to send and receive payments more or less anywhere in the world whether you want to pay back a friend or family member, get paid as a freelance worker, or simply indulge in a little online shopping. However, different services with PayPal come with different costs. It’s well worth understanding the PayPal fee structure before you decide if PayPal is the right way to make your payment.

If you’re sending money to a family member or friend, based overseas, there are several charges to pay.

Some of the costs depend on how you choose to fund the payment.