Help Center - Personal Account
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What should I do if my balance is negative?

If your account balance is negative, check your recent Activity to find out why.

Your PayPal balance could be negative because:

  • You tried to pay using your bank account, but your bank was having technical problems, or there wasn’t enough money to cover the payment.
  • A buyer opened a dispute, but there was insufficient balance to cover the amount.
  • A chargeback was filed through the Credit Card issuer – more information.
  • A refund was issued on your behalf to cover a buyer complaint.
  • A payment that wasn’t eligible for Seller Protection was reversed.
  • An unauthorized payment was made from your PayPal account.

If you think your balance is negative because someone used your account, report it immediately in the Resolution Center.

You can resolve your negative balance by logging in to your PayPal account and clicking the "Resolve Negative Balance" link. You can choose the amount and how to add it, to bring your balance to zero.

Here’s how to mail us a check, a money order, or a cashier's check:

  1. Make the payment payable to PayPal Inc.
  2. Write your name and the email address registered with PayPal on the payment.
  3. Send the payment to:
    PayPal Operations – ADD
    P.O. Box 45950
    Omaha, NE 68145-0950
    United States

Please note:

  • Include a copy of the negative balance email you received and the email address registered to your account so we can apply the credit to the correct account.
  • We only accept money orders, cashier’s checks, or personal checks in the following currencies:
    • U.S. Dollars
    • Canadian Dollars
    • Australian Dollars
    • Euros
    • Pounds Sterling

Accounts paid by a personal check must remain in good standing for 30 days before the account can be reviewed.

While your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance, and any refunds you attempt will be funded by your primary bank.

If you don't resolve the negative balance within 120 days, your account will be locked, and you won’t be able to log in without contacting our customer support first.

If you have multiple currency balances in your account and one of the currency balances becomes negative, we may resolve this by using the money you maintain in a different currency balance.

If your negative balance in non-U.S. dollars has been present for 21 days or longer, we’ll convert it to US dollars.

You can always bring your negative balance to zero by adding money to your PayPal account.

More ways we can help

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