Account Limitations: What You Need to Know

PayPal_Mark
PayPal Employee
PayPal Employee

 

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.

 

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1,050 REPLIES 1,050

josey218
Contributor
Contributor
I was banned for life they said it was suspicious & unusual activity & I tried to tell them it wasn't me but they wouldn't listen at all just kept saying your banned for life final decision & wouldn't tell me what the problem was with my account. I tried to call but of course no answer. THEY ARE REDICULIOUS!!!!!
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Joshua-Tat2
Contributor
Contributor
IC3.gov Check that website out that is for cyber crimes they are committing cyber crimes by not returning our money to us they pulling this with numerous people there’s over 37,000 threads with the same **bleep**. Report them I did I’m telling everyone to do it they have to give your money back this is **bleep** they offer some kind of warranty that isn’t even **bleep**ing real it’s fraud. And then every time they give you a date which things are going to be resolved by they extend it again. **bleep** them report them that link that I sent you at the beginning that’s how you do it
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homerlea
Contributor
Contributor

That is more than they accused me of doing... they just said I may have done something wrong.

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Joshua-Tat2
Contributor
Contributor
Mark I’m having the same exact problems the easiest way to remedy this is if we all fill out the IC3.GOV form And report them for what they are doing. Takes a few minutes but you won’t be the first one I’ve been pushing this around so everybody who’s getting **bleep**ed over can **bleep** them back
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homerlea
Contributor
Contributor

They don't know what you did to get bounced so that is why there is no appeal.

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Debbie2333
Contributor
Contributor
PayPal have hit rock bottom. Watch Rip Off Britain 4th Oct 2021 BBC1. They are taking customers money and keeping it. So many companies have stopped using them. They should be closed down and brought to justice
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mahendrawira
Contributor
Contributor

My Paypal account is verified with Indonesian bank account. I'm Indonesian.

I use VCC to verify my PayPal account because my credit card from my bank account can't use internationally, but I think it doesn't matter. Because I never use the VCC for operational with my PayPal account.

 

Yesterday, I requested withdrawal money to PayPal. After 1 day, my account suddenly limited. I provide ID and all proof address that PayPal need. After the review is finished, my account limitation is can't lifted, from the explanation, my account is doing fraud and not obey the user agreement, I'm so confused, what the fraud meaning in PayPal? I've received money from Hiribi.com after selling my Bitcoin for profit and payment from ebook that I sell, Is it fraud ??? I'm not found a false or not obey the rule after I read the user agreements. I need PayPal staff here to give an explanation.

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JenerSilva
Contributor
Contributor
Call them. They'll release your money. They may give you a little tough time but legally they have to, at most, release it within 30 days. If you want to escalate the issue because they're not cooperating go to your state small claims court.
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Mariamadalena
Contributor
Contributor

only for $ 20 from small jobs must be through a local court?

which local court wants to do that.

the funniest joke in cyberspace

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godkasem
Contributor
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