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Help Center > Issues and Resolutions/Account Limitation > How do I resolve a negative balance in my PayPal account?

How do I resolve a negative balance in my PayPal account?


Your PayPal account balance could become negative if your transaction is reversed for any reason, such as a chargeback or a lost claim, and there aren’t enough funds in your account to cover for the amount.

In such cases, you must reimburse PayPal for the amount of the reversed transaction, plus any associated fees incurred by PayPal. Please resolve your negative account balance as soon as possible. If the negative balance isn’t resolved within 120 days, your account may be locked and you won’t be able to log in to your PayPal account.

To resolve a negative balance, you can add funds to your account following the steps below:

  1. Click on the negative balance amount.
  2. Click the prompt to add funds near the top of the page.
  3. Select one of the available options to add funds to your account.
    ◦ Add funds using your credit or debit card
    ◦ Add funds by mailing a check or sending a money order in USD to PayPal
  4. Click Continue and follow the instructions.


If your account has a negative balance, we may set-off the negative balance with any funds you receive into your account or with the funds you have in a different currency balance. Pending withdrawals may also be canceled on the account.

If you are sending a check, make the check payable to PayPal and include your PayPal email address on the “Memo” line. Please note that the check should be in USD and drawn on a U.S. bank. If you don’t have a US bank checking account, you can send an International money order in USD.

 Please send your payments to the below address:

 PayPal, Inc.
 Attn: Accounting
 P.O. Box 45950
 Omaha, NE 68145-0950
 USA

After we receive your personal check it can take up to 7 business days to appear in your PayPal account and for money orders, it can take up to 5 business days to appear in your PayPal account.

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