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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.

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.

If you’re mailing a money order, cashier’s check, or personal check, please 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

    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

    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.

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