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

Susanbreese
Member
Member

Same problem 

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Seahorse2
Contributor
Contributor
I have the same problem for no reason I do not even buy are sell anything I was just getting my unemployment then one day it was blocked I have heard so many people complained that it was longer then 180 days and they still have not got their money back and they cant get ahold of any one hour best bet is to get a lawyer that's what I am going to do cause this is not right it's hard enough already for everyone then they want to scam everyone and steal their money I will not let them get away with this I hope you dont either sorry this happened to you too good luck and dont give up
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CurbAppeal
Contributor
Contributor

I am dealing with the same issue, I am trying to start a new company up, so I sold some stocks and had the money moved to pay pal to pay for my apication process, now they tell me I can't get my money until I produce my business license. I lost a 25k hardscape install because I couldn't show my customer that I had applied, I am going on week 2 and mo day morning I am seeking legal help, if you are interested in getting involved I will put the lawyers information here for you to contact and let them know I am not the o l y one and that there are many others

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kibz
Contributor
Contributor

Did you ever get this resolved?

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RonAlmstead
Contributor
Contributor

We've had limitations on our church account imposed 4 months ago. We've complied with all they've requsted but they still haven't reviewed our submittals and still no responses to our calls and emails. They are still taking money in from our congregants and supporters but won't let us remove or transfer any money. On October 14 they say the automatic system will stop taking all money in and none will we dispensed. Someone should start a class action lawsuit and this horrendous treatment should be reported to the public on all social media platforms. 

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Bibobello
Contributor
Contributor
This is unbelievable, I am constantly trying to talk to someone because they suspended my account with all my savings on it, leaving me penniless! The reason: high risk because my name is associated to different accounts. They blocked me for no reason every time I opened an account and many customers say even after the 180 days, they still never saw their money!
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JM_2202
Contributor
Contributor
PayPal is not a bank... Its application and every transaction they got pecentaged... Old post no response 😇
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mwaimoffat
Contributor
Contributor
Why would paypal hold your money for 180 days? I THINK THAT IS ILLEGAL!!I believe that unless they provide adequate and more so Court orders then holding your own property is illegal.I believe that one is entitled to own their own property without questioning unless ordered by the court of law. Also, In cases that they hold the money, they need to provide adequate reason to make it easy for legal processes.
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jazsjazs
Member
Member
mine is 185th day today still not recieving any email
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buttaflybronx97
Contributor
Contributor

NO..For ME THEY STILL HAVE MY MONEY,,,NO Letter Nothing... I Keep Calling and they said Another 180...i did that Already...And did Nohing to beShut dwn...Reps ARE RUDE TOO

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