{"id":30033,"date":"2026-07-16T17:00:23","date_gmt":"2026-07-16T17:00:23","guid":{"rendered":"https:\/\/synder.com\/help\/?p=30033"},"modified":"2026-07-16T17:08:35","modified_gmt":"2026-07-16T17:08:35","slug":"how-paypal-working-capital-loan-repayments-are-processed-in-synder","status":"publish","type":"post","link":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/","title":{"rendered":"How PayPal Working Capital Loan Repayments Are Processed in Synder"},"content":{"rendered":"\n<p>If your business participates in the <a href=\"https:\/\/www.paypal.com\/us\/brc\/article\/paypal-working-capital\">PayPal Working Capital<\/a> financing program, Synder handles the loan repayment flow automatically \u2014 but only on the <strong>PayPal API<\/strong> connection (not the legacy Classic PayPal connection). When PayPal deducts a loan repayment from your balance, Synder syncs it as an <strong>expense<\/strong>. If PayPal reverses a repayment and returns funds to you, Synder syncs it as a <strong>deposit<\/strong>.<\/p>\n\n\n\n<p>Synder creates the following transaction types from PayPal Working Capital activity:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PayPal Working Capital loan payment<\/strong> \u2014 a repayment deducted from your PayPal balance \u2192 synced as an expense<\/li>\n\n\n\n<li><strong>PayPal Working Capital reversed payment<\/strong> \u2014 a repayment returned to you \u2192 synced as a deposit<\/li>\n<\/ul>\n\n\n\n<p>To make sure these transactions land in the right accounts in your books, follow the steps below.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 1: Set up the Lending Liability account in Fees settings<\/strong><\/h2>\n\n\n\n<p>Synder has a dedicated <strong>Lending Liability<\/strong> field in your PayPal API integration settings. Set it once, and Synder will automatically route all PayPal Working Capital transactions to that account.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to Synder \u2192 <em>Settings<\/em> \u2192 select your PayPal API integration.<\/li>\n\n\n\n<li>In the left menu, click the <em>Fees<\/em> tab.<\/li>\n\n\n\n<li>Find the <strong>Lending Liability<\/strong> field.<\/li>\n\n\n\n<li>Select the account where Synder should post lending transactions \u2014 typically a <em>Loan Payable<\/em> or <em>Other Current Liability<\/em> account.<\/li>\n\n\n\n<li>Click <em>Update<\/em>.<\/li>\n<\/ol>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"645\" src=\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg\" alt=\"Lending Liability field in PayPal API Fees settings in Synder\" class=\"wp-image-30032\" srcset=\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg 1280w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-300x151.jpg 300w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-1024x516.jpg 1024w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-768x387.jpg 768w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-1080x544.jpg 1080w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-60x30.jpg 60w, https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability-150x76.jpg 150w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 2: Record the initial loan in your books manually<\/strong><\/h2>\n\n\n\n<p>When PayPal deposits the Working Capital advance into your account, Synder does not create a separate transaction for it. You need to manually record the initial loan amount in your accounting platform. <strong>Use the same account you set up in Step 1.<\/strong> That way, as Synder syncs each repayment, your outstanding loan balance decreases automatically \u2014 making it easy to track how much you have left to pay off.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Step 3: Sync PayPal Working Capital transactions<\/strong><\/h2>\n\n\n\n<p>Once your settings are in place, sync your PayPal Working Capital transactions:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Go to <em>Platform transactions<\/em> and look for PayPal Working Capital loan payment transactions.<br><strong><em>Note<\/em><\/strong><em>: If you don&#8217;t see them, use the manual import option in the top-right corner of the Platform Transactions tab.<\/em><\/li>\n\n\n\n<li>Select the transactions and sync them to the books: <em>Actions<\/em> \u2192 <em>Sync.<\/em><\/li>\n\n\n\n<li>Check that the created expenses and deposits are correctly categorized in the books.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"summary-sync\">Summary Sync users<\/h2>\n\n\n\n<p>On Summary Sync, PayPal Working Capital repayments for the day appear as a separate <strong>Loans<\/strong> group in your daily summary mapping table. Map the Loans group to the appropriate liability account \u2014 the <strong>same account where you recorded your initial loan advance<\/strong>. This keeps your outstanding balance accurate as Synder syncs each repayment.<\/p>\n\n\n\n<p>That&#8217;s it! Now you know how to handle PayPal Working Capital loan repayments in Synder.<\/p>\n\n\n\n<p><a href=\"https:\/\/synder.com\/contact\/\"><em>Reach out to the Synder Team<\/em><\/a>&nbsp;via online support chat, phone, or email with any questions you have \u2013 we&#8217;re always happy to help you!<\/p>\n\n\n\n<script>\nif (window.convertflow == undefined) {\nvar script = document.createElement('script'); \nscript.async = true;\nscript.src = \"https:\/\/js.convertflow.co\/production\/websites\/11040.js\"; \ndocument.body.appendChild(script); \n};\n<\/script>\n<div class=\"cf-cta-snippet cta74541\" website-id=\"11040\" cta-id=\"74541\"><\/div>\n\n\n\n<p><br><\/p>\n\n","protected":false},"excerpt":{"rendered":"<p>If your business participates in the PayPal Working Capital financing program, Synder handles the loan repayment flow automatically \u2014 but only on the PayPal API connection (not the legacy Classic PayPal connection). When PayPal deducts a loan repayment from your balance, Synder syncs it as an expense. If PayPal reverses a repayment and returns funds [&hellip;]<\/p>\n","protected":false},"author":2320,"featured_media":30032,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[455,376,369,379,374,437],"tags":[],"ppma_author":[471],"class_list":["post-30033","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-paypal-payment-integration","category-transaction-recording-summary","category-transaction-recording-per-transaction","category-categorization","category-categorization-pt","category-payment-integrations-main"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How PayPal Working Capital Loan Repayments Are Processed in Synder - Synder<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How PayPal Working Capital Loan Repayments Are Processed in Synder - Synder\" \/>\n<meta property=\"og:description\" content=\"If your business participates in the PayPal Working Capital financing program, Synder handles the loan repayment flow automatically \u2014 but only on the PayPal API connection (not the legacy Classic PayPal connection). When PayPal deducts a loan repayment from your balance, Synder syncs it as an expense. If PayPal reverses a repayment and returns funds [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/\" \/>\n<meta property=\"og:site_name\" content=\"Synder\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-16T17:00:23+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-16T17:08:35+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"645\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"anthony\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"anthony\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How PayPal Working Capital Loan Repayments Are Processed in Synder - Synder","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/","og_locale":"en_US","og_type":"article","og_title":"How PayPal Working Capital Loan Repayments Are Processed in Synder - Synder","og_description":"If your business participates in the PayPal Working Capital financing program, Synder handles the loan repayment flow automatically \u2014 but only on the PayPal API connection (not the legacy Classic PayPal connection). When PayPal deducts a loan repayment from your balance, Synder syncs it as an expense. If PayPal reverses a repayment and returns funds [&hellip;]","og_url":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/","og_site_name":"Synder","article_published_time":"2026-07-16T17:00:23+00:00","article_modified_time":"2026-07-16T17:08:35+00:00","og_image":[{"width":1280,"height":645,"url":"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg","type":"image\/jpeg"}],"author":"anthony","twitter_card":"summary_large_image","twitter_misc":{"Written by":"anthony","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/","url":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/","name":"How PayPal Working Capital Loan Repayments Are Processed in Synder - Synder","isPartOf":{"@id":"https:\/\/synder.com\/help\/#website"},"primaryImageOfPage":{"@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/#primaryimage"},"image":{"@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/#primaryimage"},"thumbnailUrl":"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg","datePublished":"2026-07-16T17:00:23+00:00","dateModified":"2026-07-16T17:08:35+00:00","author":{"@id":"https:\/\/synder.com\/help\/#\/schema\/person\/3afbc70be435735be4a4aa8c8c3af7af"},"breadcrumb":{"@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/#primaryimage","url":"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg","contentUrl":"https:\/\/synder.com\/help\/wp-content\/uploads\/sites\/2\/2026\/07\/paypal-fees-lending-liability.jpg","width":1280,"height":645},{"@type":"BreadcrumbList","@id":"https:\/\/synder.com\/help\/how-paypal-working-capital-loan-repayments-are-processed-in-synder\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/synder.com\/help\/"},{"@type":"ListItem","position":2,"name":"How PayPal Working Capital Loan Repayments Are Processed in Synder"}]},{"@type":"WebSite","@id":"https:\/\/synder.com\/help\/#website","url":"https:\/\/synder.com\/help\/","name":"Synder","description":"Articles &amp; 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