Account Limitations: What You Need to Know

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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

prpmysterious7
Contributor
Contributor

I don't blame you. I would scrap them. There are other money sending alternatives. My problem is that nearly all of the mystery shopping companies pay only through PayPal, which sucks. I think I have something figured out, but won't say here in this forum. Too many eyes everywhere. 👀👀

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kris125
Contributor
Contributor

Hi , Just got my account canceled suddenly without any action in my account then adding one more email address to be used as second address. Automatically this sign shows up and cant get any answer from help center either. This is the message You can no longer use PayPal After a review, we decided to permanently limit your account as we found potential risk associated with it. You'll not be able to conduct any further business using PayPal. Based on this decision, if applicable, you are no longer eligible for PayPal Seller Protection as per our User Agreement. This will apply to all existing and future cases you receive. Any bank or credit card information that's linked to your PayPal account cannot be removed nor can it be added to another account. You can still log in and see your account information but you can't send or receive money. Thanks for any help seems that mine is one similar case.Thanks

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buttaflybronx97
Contributor
Contributor

Everything you said is FACTS,Sent all my info,AND i Feel SO Violated. Cause they still have my Info,Shut me dwn For NO REASON..Did the SAme CHANGED EVERYTHING..PSWRDS all that...AND YOUR PROB WAS IN 2020....were in 2020/22 THOUGHT OUT OF ANY CARD I COULD TRUST PAYPAL. I GUESS NOT!!!! SHAME ON YOU PAYPAL SHAME.

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KCleasby3
Member
Member
Need help please
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bellalion
Contributor
Contributor
Need help for me to get normal please
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Silvanayoussef
Contributor
Contributor

My X-husband is a volunteer Sherrif and advised me to send a letter to the congressman to get my money that Paypal hold it for NO reason. please advise. 

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Holdingmycool
Contributor
Contributor
Do you know who it would happen to be online that we would go to to file a complaint?
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Swagby77
Contributor
Contributor
Better business bureau probably
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cherylg210
Contributor
Contributor
This is unacceptable.
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mikeng29
Contributor
Contributor
Hi can you help me? I already waited 180days and receive an email saying that my funds is eligible ti withdraw but still i cant link bank ans credit card to withdraw my funds. Help me
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