ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

What To Do When Your Paypal Account Is Limited, How To Remove Limitation And Get Your Money Back

Updated on August 26, 2011
Screw Paypal
Screw Paypal | Source

If you use Paypal, chances are that at some point your account will become limited. In some cases this problem can be solved, however in many cases your account will be permanently limited, therefore unusable. Any funds in your account at the time it becomes limited will be held by Paypal, and you will not be able to withdraw these funds until you resolve the limitation. There are things you can do to work around this, and in this article I will explain a few ways you can resolve a limitation or recover funds from a limited account.

Resolving A Limitation
Depending on the type of limitation, and what kind of information Paypal is asking for, it may or may not be worth your time to even attempt to have the limitation removed. In some cases they may only ask for a utility bill, credit card statement, ID or other paperwork. This is easy if you have these documents on hand, if you don't have the correct documents, you can use Photoshop to generate the necessary documents. You can read our tutorial: "How To Use Photoshop To Make Fake ID". It is illegal to create false images of your government issued ID, so I will not recommend that you do that! If they want you to verify a credit card and you don't want to use your own, you can use a virtual credit card. There are many websites offering virtual credit cards, I find the "Aspkin Forum" to be the most reliable. If you fail in removing the limitation you will have to look at other options.

Paypal 180 Day Hold

After a failed appeal, paypal will hold the funds in your account for a period of 180 days (6 months). Yes, they will hold your money, and undoubtedly invest it and earn interest on it for half a year. After the 180 days period is up, they will send you an email saying that your funds are eligible for withdrawal. If you are waiting for a significant amount of money held in your limited paypal account, you will want to try to keep the bank account attached to this account active and open. If your bank account is no longer active, they will in most cases allow you to add another bank account and withdraw the funds. There are more and more reports of Paypal not releasing these funds after the 180 day hold period, so you should look at it as a probability that you will recover these funds, not a guarantee. This being considered, you may want to look at alternative options to recover your money.

How To Handle Your Customers
Once your account becomes limited, I would suggest you refund all orders that have not yet been sent, because there is no guarantee that you will ever recover the money. You can contact your buyers and explain to them what has happened, and let them know that if they still want the product, they can make arrangements to pay using another method. If you have any transactions in the past month with buyers that you know well enough to trust, you may want to contact them and ask them if they can help you out. You may be able to convince them to accept a refund from your limited paypal account and then send you the money with an alternative payment method.

Starting Over
If you intend to continue selling products online and using paypal to accept payments, you will need to set up a new paypal account using different information. You can read our article: "Step By Step Instructions On How To Get A New Paypal Account". In order to protect yourself from future disruptions to your online business, you should probably also have several backup accounts as well. Also you will want to examine the cause of the original problem, how did you become limited, and try to avoid it in the future. It is impossible to avoid a limitation forever, but there are steps you can take to minimize the risk. For example, use only your home computer and use a separate windows user account on your desktop for each Paypal/eBay account. Start selling slowly, avoid selling high price items until your account has matured. Never use a free Wifi connection, and always use a router that will give you a unique IP each time you sign on and off.

Do Your Homework

Everything you need to know is detailed in the eBay And Paypal Limited Forum. You can feel free to chat with the forum members and ask questions in order to learn more. If you are interested in Amazon they also deal with issues for Amazon as well. You may or may not decide to buy the book "EBAY STEALTH", I do believe it is well worth the price, however everything in the book is available for free in the forum.

Live conversation with Paypal employee


    0 of 8192 characters used
    Post Comment
    • profile image

      Maggie Dean 

      4 years ago

      I was limited permanently by PayPal and was never given an exact reason. Now I cannot accept payments anymore and have no way to get my PayPal reinstated.

      I came across this guide:

      But the only thing it doesn't go over is the IP options. Can anyone offer some insight?

    • profile image

      Sarah Barnum 

      5 years ago

      PayPal limited me few weeks ago and they gave me no option to appeal. I was wondering, do you think it is a good idea to create a new one or buy a new account from sellers such as Auction Essistance?

    • profile image


      6 years ago


    • profile image

      Rebecca Savastio 

      8 years ago

      Five years ago I opened a Paypal account to help a neighbor who had been the victim of racist vandals who slashed their tires and scratched the "N" word into the side of their van. I canvassed my neighborhood in the boiling heat raising money for them and sent out emails to friends and family, asking them to send donations to the new Paypal account I had opened for the purpose of helping my neighbors repair their van. Since the Paypal account had the name "Bailey Fund" on it and I had selected "non profit" (this was SUCH a stupid thing to do!) they began asking me for reams of documentation that I was a non-profit organization. I never intended to become a non-profit organization at all, I was simply trying to help my neighbor. I called Paypal and explained, but they said nothing could be done but to file a dispute. They said they would get back to me. Well, I never heard back from them, and now it is five years later and I have not used the account since then. My new online employer just sent my first paycheck to the email associated with that account. I don't know why they did this; I had sent them my husband's account email but they used my email. I logged in to my account and see no payment and a big "limited" notice, and again they are asking me for tons of documents. I am not a non-profit. I raised $800 five years ago, all of which went to my neighbor. Now I am so upset I am practically in tears thinking I am never going to get my money. It's criminal! I guess I will call them again but they were so unhelpful the first time. I am so upset I can't even explain. No good deed goes unpunished!

    • rumintasari profile image

      Ruminta Sari 

      8 years ago from Sleman

      hahaha.. I like your image mate.

    • profile image


      8 years ago

      I have a paypal account that has been recently limited, i have no funds in this account so is it worth putting in all the details or shall i just create a new account + can the do anything if i dont respond to the limit, thanks

    • profile image


      8 years ago

      Can I change account information once a PayPal account has been permanently limited? When I created the account, I put my own name and SSN because I was the person controlling the account. However, the actual business owner's name and SSN is different (he is my boss). I know it was dumb of me to use my own info, but I honestly didn't know any better. Can I still change this information? I don't want to get into trouble for providing wrong information.

    • profile image


      9 years ago

      I'd just buy small things from ebay, and big things from Amazon, Newegg, is one way to avoid reaching limits too quickly. It is a minor annoyance but I found Amazon quite competitive for my need. Amazon started selling many nuts and bolts, etc.

      I think at the end, the owner of paypal will have to make a decision... with some number crunching, see if it is worth losing the frequent buyers who buy many things, or making the percentage difference from not using the credit card.

    • profile image


      9 years ago

      My account has been limited only for using different virtual credit cards. While banks in my country(India) says that using different VCCs at different transactions is safe, paypal limited my account permanently. I tried to explain it to the paypal customer care, customer rep. said he will take limit from my account but immediately changed his mind and said he can't. Crap!

    • TravelinAsia profile image


      9 years ago from Thailand/Southeast Asia

      Yes .. well, if Paypal played fair, then people like you wouldn't need to cheat the system, isn't that right?

    • profile image


      9 years ago

      Don't get me wrong, I do get banned from Paypal from time to time but why call them when in that time I can open 3 more paypal's and ebays and be up and running again. Stealth accounts all the way baby.

    • profile imageAUTHOR 

      9 years ago from Vancouver / Bangkok

      good for you Yoshi .. all the best!

    • profile image


      9 years ago

      I love Paypal. I can get away with so much with them. I have over 20 paypal's attached to 20 Ebay's. I withdraw to 20 real bank accounts. I love paypal.

    • thebestyou profile image


      9 years ago

      Paypal is evil. Read my page on them. Something needs to be done to shut them down

    • profile image


      10 years ago

      PayPal really is a great platform for making and receiving payments online. I agree with you that people need to do their homework before using the account and the tip about the forum at is really solid information.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)
    ClickscoThis is a data management platform studying reader behavior (Privacy Policy)