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.

[tinaf88]

Exactly the same for me!! Driving me absolute insane, they keep asking me to upload my proof of identity cause the one I uploaded first didn't show everything they needed to see, but when I go back to the page it doesn't let me upload it. I'm going to file an official complaint against them through the consumer protection agency, they're just holding my money hostage at this stage really.

[Johnny99wills]

Getting through to them is nearly impossible. That is after I worked out they don't have anyone looking at the messages you send them anyway. Ultimately, they found the message when I wasted over 20 minutes on the phone trying to get through. They sound like their admin has not caught up and their systems were designed by someone in kindergarten. 

[Donnaxxx]

And mine and most of others on here just be careful as most of these are PayPal and same person using first name then coming back using 2nd name.paypal is committing fraud ruined alot of lives and still are

[Joshua-Tat2]

The wY to file an official complaint is the through the fbi type IC3.GOV It will bring you exactly to the form then contact your bank immediately they retrieve my funds this way immediately I only stay on PayPal forums to help people who been **bleep**ed by them. I don’t use the service any longer and I’ve already retrieved my money but I pay attention every day to people who are **bleep**ed just like me. Do what I’m saying force them it will work. The form first then contact with your bank. Save all your chats back-and-forth with PayPal and all your attempts to retrieve your money. You can upload them directly to the FBI site. You can also upload them directly to your bank which will retrieve your money.

[Dsmomof3]

Josh, thanks for your commitment to helping those of us who have been scammed. I'm currently in this situation, and as you describe, I feel like Paypal has not helped. I've gone to the website to file the ic3, but I keep hesitating when it comes to putting in my account information. Paypal said that any documents I provide could be shared with the seller, so I don't want them having my account information. Is there a way for me to complete this form without giving them my bank information?

I'm sorry to bother you, but as you know, they aren't very helpful.

Any help you can provide would be appreciated.

Della

[Marina75]

Have you solved your problem?

[Tisho72]

Well done. Very good speech. So without money they work with my money. Block the profile, turn your money and wait. You may die while you return them. These are crooks. There will be no one to punish them. Nag profit method. A fictional company that guarantees you the money ..... Nonsense, stupid nonsense ..... blah blah blah ... The prison is these people

[tannyamarisa2]

im in the same position unfortunatly, it says all completed and my limitation is still on, it says they would come back to me between 3 to 5 days...its been 6 months and no answer on email either or on the phone. Im going to my solicitor soon

[Donnaxxx]

Go they have no intentions of giving you your money they just wait keep you hanging on till you give up

[Bloomer12]

Oh my goodness I am having the same problem I am so angry with these guys its such a waste of my time chasing them to fix this.

Raging with anger that your system is crap no matter which browser I use and your customer service is appalling.

I have repeatedly sent you our authorised letter from directors both myself and my husband and you keep telling me to upload it into your system which doesn't f****ing work.

This has gone on for months now - I have tried on the phone I have tried via you crap site and I have tried via you compliance email - but oh dear your compliance guys who make the decision won't accept the document via email therefore delaying, interrupting our service and stealing our money yet again.

Yes STEALING my money because you are in capable of receiving documents for some reason and as soon as someone starts making money you seem to want to stop them?

To say I am angry, p*ssed off or f***ing raging is a colossal understatement. Share this with whoever you would like because I am more than happy to share is with my 80k followers. Thanks for the dreadful service.

Ash