Account Limitations: What You Need to Know
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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:
- 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.
- Once you’ve submitted the information required, we’ll review and reply via email.
- 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.
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they usually ask for both sides of the bill
any logos must be fully visible too
its a right pain i sent about 9 different things each getting a no good reply
good luck
@temp20180723a wrote:Can I get some guidance on what they actually accept? I've submitted a copy of my passport and a letter from my utility company, but the letter from the utility company got turned down as a partial document. I've now submitted my bank statement, but just the first page. I'm not expected to give them the whole thing right?
I really don't like that they just reject it with a form answer without saying what's actually wrong. Was my thumb in the way? Did you need to see the edges of the letter? Literally, if it has my name and address on it, and you can clearly read them, what's the issue?
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Thanks DLT. If they'd told me what they required, this would have been sorted first time!
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What one needs to know is that PayPal is the business partner from hell. They will lie cheat and steal your money.
Constant run around. if you get a " your funds are ready for withdrawal " after the redicuously long 180 days they hold funds, don't count on it!
All the withdrAwal and edit account info remains locked. This is just another attempt to probe your info. Paypal is the most notorious banking crook in the business
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Got my account limited today. I occasionally buy stuff from eBay with my PayPal account. Now they ask me for my passport scan and etc. I'll just start buying from AliExpress and alike. I did not have any funds on my PayPal account. Sucks, because it's very untimely, I plan my wedding, and wanted to buy some minor stuff, which is not available locally.
I'm not even sure if it's legally sound, because I'm not a US citizen. And what's the point of this step, while they have my banking info already. I've only encountered this kind of "treatment" on shady betting/poker/bitcoin websites, which I stay away from.
Anyway, will not use paypal anymore, unless there's some holy grail selling on eBay which I will absolutely need.
I advise for everyone to do the same I guess.
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My personal account has been limited. I had recently moved so uploaded a scan of the letter provided by the transport authority as I didn't have the sticker to update my licence at the time. Paypal emailed to tell me that I needed to upload the back of my licence. I can now do that however in my resolution centre the section where I need to re-sumbit proof of my address is still greyed out and it says "submitted for review". i need Paypal to reset this so that I can do it again.
Is there another section where i can upload new information? Or do i have to wait for Paypal to update my account so that I can fix it?
I have messaged Paypal and they have been unhelpful and told me to go through the process again, which is impossible as outlined above.
How do i get around this and supply the back of my licence?
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try their Facebook page and message them on there
they are quicker than going through e mail to Patpal
i found them helpful so give them a try
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We should probably look into some sort of class action as I am in the same boat with a lot of money sitting without resolution on which Im paying interest. Very frustrating indeed
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Have been paypal member since 2010.
Suddenly got my account permanently limited without any reason. Never infringe trademark or copyright and i only have one account.
I also found and assumed that paypal permanently limit account that connected and receiving payment from Redbubble. i had made survey in my group and each of them got the same issue.
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