Security

Problems accessing funds.

There are three circumstances in which some or all of your funds may not be available to you:

  1. Your account has been limited (“frozen” or “locked”)
  2. We’ve placed a hold on funds for a specified amount of time
  3. We’ve placed a reserve on your account

Account Limitations

Account limitations prevent you from completing certain actions with your account, such as withdrawing, sending, or receiving money. These limitations are implemented when we see unusual or suspicious activity to help protect both PayPal buyers and sellers. Limitations also help us collect information necessary for keeping your account open, and they help ensure our customers are protected.

Funds Availability (Holds)

Funds Availability is when we delay the availability of funds for a specified amount of time – usually 21 days or less. This is a common industry practice that we implement to help ensure a safe environment for both buyers and sellers. This helps make sure there is money in your account to resolve any problems with your orders, if they arise. The money still belongs to you. It’s just unavailable for withdrawal temporarily until we are sure your buyer received the item they ordered in the condition promised.

Account Reserves

A reserve is an amount of money that is held in your PayPal account that is used when we are unable to collect on your past due balances from: chargebacks, claims, debit transactions with insufficient funds in the account, and fees. PayPal uses 2 types of reserves: rolling reserves and minimum reserves.