How to Avoid Limiting on Your PayPal Account
PayPal is one of the world’s online payment services. It is the most convenient method to send and receive payments for your goods and services.
PayPal accepts thirty currencies and serves over 400 million active customers in over 190 countries.
PayPal, like every other company, has its terms and conditions of usage, and when any suspicious activity on your PayPal account comes to their notice, they place a limit on it.
This limit means that you can no longer send, receive, or withdraw money from your PayPal account temporarily. This limitation does not mean you did anything wrong, rather it is PayPal’s way of protecting both the buyer and seller as a part of the company’s policy.
Your PayPal account can also be limited when you initiate a bank transfer that fails, or if you receive a payment from a suspicious account, or when you are caught in a high-risk or fraudulent activities (like using a credit card that has been reported as stolen, selling fake goods, selling pornographic materials and weapons).
PayPal informs you that your account has been limited when your PayPal account overview page has a pink box that says Account Access Limited.
Reason for PayPal Limitations
Apart from the reasons we talked about above, here are some of the reasons why your PayPal account has been limited:
- Unauthorized access of your PayPal account: PayPal limits your account if they believe your account has been used without your knowledge or your bank/card (debit or credit) issuer notifies PayPal that someone has used your card or bank account without your authorization. This limit is placed to protect you from fraudulent charges.
- When PayPal discovers you have more than one PayPal account.
- When your account is reported to PayPal as being suspicious.
- Your account is limited when you receive donations, PayPal requires documents that confirm that a registered NGO.
- Your account is limited when PayPal requires more information about you (like bank account or credit card information)
- When you sent or receive payments from an account or country, PayPal deems suspicious .
- When your account has a high volume of chargebacks and complains.
- When you change what you sell or change the price of your goods and services.
- When you receive an extremely huge amount of money than usual.
- Your PayPal account has not been verified
- When you travel outside your country.
How to Retrieve a Limited Account
Limitations placed on your PayPal account can be easily lifted, and you can access to your PayPal account. These are some easy steps to help you regain full access to your PayPal account:
1.Log into your account
2.At the bottom of the page, click on‘ more about your account’
3.Select the link to the resolution center, this will open a fresh page, ‘your account has been limited.
4.Select account limitations
5.Click on the case, and suggestions on how to rectify your case will appear.(Like providing additional information, contacting their customer service, or adding any missing details, invoice from your suppliers, payment information, proof of identity, proof address)
- 6.When you complete these steps, that you are directed to do, the limitations will be removed, and you will be emailed to notify you in 3 business days or less.
If after you complete this process and your account is still limited, it may be due to PayPal is still reviewing your case. You will receive an email when they are finished. PayPal still needs additional information from you. You should check your email. If you don’t receive an email, wait for PayPal to contact you.
How to Avoid Limiting on Your PayPal Account
To prevent your PayPal account from been limited, you should do the following:
1.Make sure you verify Your Account (by adding a credit card or bank account or both to be safer) as PayPal closely monitors new accounts.
2.Before using your PayPal account, make sure you wait for at least 30 days.
3.Provide any information on your identity (national identity cards, driver’s license, bank statements, utility bills) as requested by PayPal.
4.Avoid using proxies(VPN) as they hide your real identity and gives you a different IP address from the one you used in registering the account, and it might raise a red flag.
5.PayPal’s policy for creating multiple accounts are very tight. If your account has been limited, and you create another one, it will also be limited. So avoid connecting a limited account to other accounts.
6..Make sure you contact PayPal beforehand to inform them that you are expecting a huge sum of money, or you are planning to launch a new product that will increase your payments.
7..When taking the PayPal survey when you first sign up on PayPal, ensure you select higher numbers when you are asked how much money you expect to earn every day or monthly.
8.When verifying your PayPal account, make sure you use the same name, address, and phone numbers on your bank account and credit cards.
9.For a business PayPal account, ensure that your business name on PayPal matches the one on the bank account, and ensure your security number (or FEIN) matches the name of your business on the PayPal account.
10.If you have an eBay account, be careful as any negative review on your eBay account be careful will affect your PayPal as they are owned by the same company.
11..Avoid signing in to your PayPal account randomly, if you don’t have anything to do there.
12..Make sure you don’t withdraw or transfer money from your PayPal account immediately you receive it. Wait for at least 24-48 hours.
13.Do not sign in to your PayPal account from different devices. Do not receive payments from sources unknown to you.
14.Strictly obey PayPal’s policies and terms of agreement.
15.Make sure you resolve any issue you may have with your PayPal account before deleting, so it doesn’t affect the creation of a new account.
16.Make sure you delete old or deactivated bank accounts and credit cards from your PayPal account.
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