Account Limitations: What You Need to Know

[PayPal_Mark]

Keeping your business and customers safer

To ensure PayPal remains a safer place for enabling payments, we regularly review all accounts. Sometimes, limitations may be placed on your PayPal account, which could restrict you from completing certain actions: such as withdrawing, spending, or receiving money. Limitations are in place to help protect all our customers, and in some cases to meet our regulatory obligations. Protecting your account and money is important to us.

Account Limitations: What might cause it, and how to help avoid it?

If your PayPal account is limited, you may be unable to withdraw, send or receive money. There are a number of reasons why your account could be limited:

Suspicious & unusual activity

• We suspect someone could be using your account without your knowledge.
• Your bank alerts us that someone has used your credit/debit card linked to your account without your permission.
• There are unexpected changes to your selling activities such as a sudden increase in your typical sales volume.

In such cases, we do what it takes to protect you from potential fraud prompted by the unusual activity– through limiting your account, and investigating.

You can safeguard your personal information and help protect yourself against fraud through some simple measures.  For example, don’t enter your personal or financial details when describing items for sale or in response to emails, and log out of sites you’ve entered your personal information into.

Regulatory reasons or business is not compliant

Your account could be limited for regulatory reasons. For example, India PayPal sellers need to include additional information to be able to accept payments in their account. Also, reaching a certain transaction value in your account may trigger a limit, which can also be removed by providing information required to PayPal.

There are also restrictions on what a PayPal account can be used to accept (and make) payments for. For example, PayPal doesn't allow the sale of counterfeit goods or banned items. So, ensure that your business is compliant with PayPal’s Acceptable Use Policy .

Increased buyer issues

An increase of complaints, claims and chargebacks from buyers can lead to account limitations.

Following some simple guidelines can help you improve your performance and reduce the likelihood of limitations. Overall, communication is key. You should:

• Provide detailed product descriptions and photos.
• Be upfront about policies such as shipping and returns.
• Ship orders promptly and track shipments.
• Respond quickly to any messages from buyers.
• Work to amicably resolve any problems.
• Ship to the address provided in the transaction details page.
• Use quality shipping materials to prevent damage.

Removing limitations

 If your PayPal account is limited, here’s what happens:

1. We’ll email you to let you know –  we’ll ask you to log in to your PayPal account and go to the Resolution Centre for details on how to resolve the issue quickly, usually by providing information.
2. Once you’ve submitted the information required, we’ll review and reply via email.
3. We’ll remove the limitations once we have verified your account. At times, limitations can be removed by simply changing your security questions and password.

Here are the types of information and documents we may need from you:

- Supplier’s invoice with contact information

This helps us determine the inventory source and validate that you have the items that you’re selling in stock.

- Payment information

When an invoice is unavailable, we’ll review the following information about your payments:

• The item or service that was sold
• The buyer’s name and shipping address
• Proof of shipment to verify that an order was delivered

- Shipping or Tracking information

This helps us to verify that customer orders are being fulfilled.

- Proof of business
This provides evidence of a valid business registration and business ownership.

- Information for India sellers
This is to comply with our India regulatory obligations. Provide a valid PAN, a local bank account and the purpose code in your PayPal account task board.

- Proof of address such as bank statement or utility bill, Proof of identity such as passport or driver’s license
This helps us verify your identity when there is unusual account activity or to comply with regulations.

Once you’ve submitted your information, look out for any more emails from us as we may need additional details. We’ll do our best to confirm your information and remove the limitation within 2 business days, but sometimes it can take a little longer.

Quick Tip: If your PayPal account is limited, don’t open a new account. It could be traced back to the limited account.  It’s always best to resolve the limitation. We will guide you through it and restore full access to your PayPal account as quickly as possible.

[HomelessNow]

Going through the same thing being a small entrepreneur business I was with PayPal for about 14 months not one time did they even suggest that I opened a business credit acount until Friday so I did also found out the rediculas cash card would never report as a payment system on credit!! So than they sent some BS prepaid card that you can get a dollar bazaar and said they couldn’t approve me and my small business for a secured my money credit card that really helped my credit only to get hung up on from 5 people at all the whoever answered phone numbers that they have to being told sorry accounts deleted !! Had to explain to my very few customers that I really need to keep my children fed I wasn’t able buy them a birthday gift now or something anything.. lost all hopes for a great company obviously they’re not ready for the new normal when half the internet is completely bad mouthing them the same way I am thinking but not speaking action as right now I’m on my car at the gas station trying to get to a service call but out of gas prob lose this customer to .. hope everything is warm as sunny there wow !!

[immunocorp]

In Comb, PayPal agreed to pay $9.25 million to users whose accounts it froze without explanation due to suspicious activity.

[iGirl64]

I settled a few disputes a few months ago, all of the sudden, my account was limited again because it said I disputed information from my bank.  I called the bank, no dispute was started by me nor do they have any record of a dispute.  I did everything they needed me to do, I sent a credit card statement for one of my cards but it's been 5 days and I can't clear the limitations.  There is no phone number I can contact for someone to help me.  There is no way to send something to someone.  One of the disputes has been cleared. The other was for $10 from a friend whom I worked with who was selling wax melts.  She gave them to me at work but there is nothing she can do to clear it because she says everything requires a tracking number.  I've noted on my side the dispute has been cleared by me but her PP is limited, too.  Please help!  This has gone on too long!

[iTesla]

Stop Trolling this thread with new accounts, so I can get normal.

Wonder how much you are paid by other payment processors to come here and write fairy tales, hope PayPal is aware and do a cleaning.

[Chtu]

PayPal account limitations reopen

[ikramjeet]

My account is made limited without any false transactions and money is held for 180 days and i donot know the issue

[Ashwani3]

Hello @ikramjeet , I understand your concern about your account being restricted. For more information on how limitation works, click here.

Please let us know if you have any further concerns, we would be more than happy to help you.
Thanks,
Ashwani

[Temp20230525HB]

Yeah no explanations nothing I’ve not even ever used it. I opened the account yrs ago for my sisters cancer find raiser, now I’m banned permanently? Why ?

[eezee_aeezeeee-]

I call BS! Just trying to talk to a paypal rep is like pulling wisdom teeth without an anesthetic !  Paypal is about as helpful as isis would be to a christian!

[stewbobs12]

totally agree with you