PayPal can limit or reduce the amount of money you're allowed to send and receive. The online payment processing service randomly selects users throughout the year and limits those accounts until a credit check is completed. PayPal can also limit your account based on a dispute or a problem with your personal information. The only way to resolve a PayPal limit is to upload information needed.
- Skill level:
- Moderately Easy
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Things you need
- Credit or debit card
- Picture ID
- Utility bill
- Bank account statement
Determine why your account was limited and what you need to do to fix it. PayPal will send you an e-mail with the details of the problem, but you can also find the information online. Log into your account and view the details of the limit on your PayPal account.
Attach a credit card to your account or a debit card if you don't have a credit card in your name. PayPal wants an additional form of payment connected to your account, in case you don't have a balance sufficient to pay for a purchased item. Select your account details and add your credit card information.
Upload a copy of your driver's license or other picture identification and a copy of your most recent utility bill to your account. If PayPal randomly selects you for an identity check, you'll need to offer proof of your identity, as well as your residency. A recent utility bill shows that you live at the address on file and the utility is in your name, while the picture ID verifies your name and address.
Verify your PayPal account by connecting your bank account information with your PayPal account. When you enter your banking information, PayPal makes two small deposits into your account and the next time you log in, you enter those amounts. This verifies that your bank account works with PayPal.
Wait 48 hours to ensure that PayPal received all of your documents and then contact the company. If you did everything correctly, PayPal should remove the limit from your account within those 48 hours. If not, you'll need to contact PayPal through the Resolution Center on the website. You should receive a response within a few days.
Tips and warnings
- PayPal will sometimes limit your account based on the credit or debit card on file. If that card reaches its expiration date and you don't upload a new one or change that information, the company will limit or suspend your account.
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