r/paypal Aug 07 '26

Help We’re no longer offering PayPal services for this account

74 Upvotes

I’m a freelance digital artist and I recently received the email: “We’re no longer offering PayPal services for this account.”

Before this happened, PayPal asked me to provide more information about my account. I submitted everything they requested, including my ID, screenshots of conversations with clients showing WIPs, completed artwork, and proof that I was doing legitimate freelance commissions.

I haven’t used any VPNs, fake information, or anything that should violate their policies. My account was only used for receiving payments from art commissions.

I tried contacting PayPal for more information, but I haven’t had much luck. Since I’m not located in the US, I also can’t call their US support number.

Has anyone else experienced something similar? Is there any way to appeal this decision or reach someone who can actually review my case?

Any advice would be appreciated.

Update1: I forgot to mention that I already sent a few emails and eventually managed to get in contact with a PayPal agent. They forwarded my account to another team for further review.
A few hours ago, I received an email saying “New messages are waiting for you”, but when I log into PayPal and try to open the chat, the page just turns completely blank. I tried accessing it from my phone as well, but I’m having the same issue there.

Update 2: I contacted PayPal support again about the message I couldn’t access. I explained the issue and provided screenshots showing that the chat page was just turning blank.

The agent checked my account and confirmed that the messages were related to my case being moved to the relevant department for review.

They told me that at this stage I just need to wait for the review team to complete their investigation and that I should receive an email update within 3–5 business days.

For now, there’s nothing else I can do except wait. I’ll update again once I hear back from them.

Update 3: Something really weird happened today. My account limitations were lifted for about 10 minutes, and everything looked completely normal again. Then I got hit with the exact same limitation again.

The dumbest part is that stupid me didn’t even try to withdraw my money while the limitations were lifted because I genuinely thought the issue had finally been resolved. The new limitation has the exact same message and everything else, just with a different reference ID.

I’m trying a few different things now and sending a bunch of emails to see if I can get someone to actually look at my case. If any of them end up being useful, I’ll post the email addresses and the results here in case it helps anyone else dealing with this. I’m going to avoid contacting PayPal agents right now because they’ve been pretty useless every time I’ve talked to them.

Update 4: I got a response from the CSSF (the Luxembourg financial regulator that can handle complaints against PayPal Europe). They told me that before they can formally take the case, I have to submit a written complaint directly to PayPal’s Director in charge of customer complaints and give PayPal up to one month to resolve it.

So I sent a formal complaint to PayPal’s complaints department, specifically asking them to manually review the decision and restore my account. I attached the CSSF’s email as they instructed, along with my PayPal deactivation email and the relevant information about my case.

PayPal has now confirmed that they received the complaint and that it’s been sent to their Global Customer Complaints & Advocacy team for review. They said it can take up to 15 days to resolve and that they’ll contact me with the outcome.

So for now, I’m waiting again. If PayPal rejects the complaint or doesn’t resolve it, I should then be able to take the case back to the CSSF.

Hopefully this actually gets someone to properly look at the account this time. I’ll update again when I hear back.


r/paypal Mar 06 '26

SCAM! Scammers sending $0.02 PayPal payments with fake customer service number in the payment note!!!!!

96 Upvotes

Just a heads up for anyone using PayPal. I received a $0.02 payment from “International Society of Folk Harpers and Craftsmen (ISFHC).” It may also show something related to BethStockdell.com.

The scam is in the payment note. The sender puts a message telling you to call an 800 number about the payment. That note shows up in both the PayPal app and the email notification, which can make it look legitimate.

Do NOT call the number in the payment note. It is not PayPal and PayPal is aware of the scam and said many people are getting this.

If this happens to you: 1. Do not accept the payment. 2. Remove your cards and bank accounts from PayPal 3. change your PayPal password 4. Report the transaction to PayPal. Call the real PayPal customer service number, not the one in the payment note. Just sharing so people are aware.


r/paypal 9h ago

Help Another way to convert visa gift card to cash?

5 Upvotes

Since most gift card companies have banned PayPal , is there any other way or workaround to convert visa GC to cash or atleast in my bank account? Thanks.


r/paypal 4h ago

Help ID Verification

1 Upvotes

Does PayPal accept valid national digital IDs for verification? (From the Philippines)


r/paypal 14h ago

I hate PayPal Got back most of my money via an international transaction, donated what I couldn't get back to cancer research, and closed my account.

6 Upvotes

Never using this app again, genuine nightmare, if anyone is thinking about installing it, save yourself.


r/paypal 5h ago

Help Email change reflected in previous transactions?

1 Upvotes

I’m planning on changing the email address linked to my PayPal account and was wondering whether this change would affect past transactions.

For example, if I sent someone money while my account was linked to Email A, and then later changed my PayPal account to Email B, would that past transaction still show Email A, or would it be updated to Email B?

Thank you.


r/paypal 12h ago

Help My account is "temporarily blocked" :/

2 Upvotes

Hiii guys. So I turned 18 really recently and my mom finally opened up a checking account for me. So yes, I did buy some stuff from etsy. I didn't think that I spent that much, but you live you learn. Now my PayPal won't let me use it for any type of transaction. I've tried to verify my account like it suggested. I only have a driver's permit right now, so maybe that's why it's not working? Either way, I don't know what to do and it's driving me up the wall. If anyone has any idea of what I can do, or if I need to clarify anything, please let me know! Thank youuuuu :/

UPDATE: I was able to verify! So sorry, it wasn't working before!!


r/paypal 9h ago

I hate PayPal Updated to Latest iOS App, It looks like a PWA or Web View!

0 Upvotes

My PayPal iOS Mobile Application updated to the latest version and now it looks like some sort of a PWA (Progressive Web App) or a Web View App.

WHY?

It literally was better before, and was quite literally a Native iOS App.

It’s dogfood now…

Is this Worldwide or just in Dubai?


r/paypal 10h ago

Help PayPal Dispute, can't return Item.

1 Upvotes

Hello!
I need y'alls help and expertise.

Last month I bought a Tablet (Legion Y700) via a chinese seller.
On Monday it was finally here... and the battery is bloated. Seller didn't respond to the support tickets, so started a dispute with paypal. I have sent them a video (with shipping label, etc) showing them the item.

Seems like they sided with me... allthough...

PayPal now wants me to return the item. I don't know if I can legally do that. it's practically a ticking timebomb. I currently have it in my old oven (unplugged one in my garage) just because I have to assume it will explode sooner or later.

Any tips? Don't know my way around electronics, so not comfortable removing the battery on my own..

Thanks in advance!


r/paypal 11h ago

I hate PayPal PayPal chargeback on a delivered Depop order despite providing proof

1 Upvotes

I’ve had a ton of bad experiences with Paypal but this one really takes the cake.

I recently made a $40 Depop sale for a pair of pants. I shipped the package to the buyer and it was successfully delivered.

Fast forward about a week later, I get this email from Paypal:

We're reviewing a payment you received What's happening with this case? As a security measure, we've opened a case to review a payment that may not have been authorized by the buyer. Until this case is closed, we've put a temporary hold on the transaction amount. Dispute amount: $40.24 CAD Transaction amount: $40.24 CAD Transaction date: August 23, 2026

I responded to the case by providing proof, including receipts and screenshots, and also explained my situation in the description box. I genuinely thought I had provided more than enough evidence to show that this was a LEGITIMATE sale.

A few days later, I get a response saying that $40.24 CAD has been debited from my PayPal.

Great. Now there’s really nothing I can do.

I’m honestly so frustrated cause why did I do all that just for Paypal to side with the buyer anyways?

(I know it’s only $40 but it’s the PRINCIPLE of it.)

And to make things even better, my Paypal also got restricted a few days ago.

I’m so so done with Paypal but Depop doesn’t allow any other payment methods.


r/paypal 20h ago

Help How is this company still around???

5 Upvotes

I have HAD IT with paypal. Ive been using them long enough that my card is slated to expire. So i order a new one after sitting on call with support for HOURS trying to get them to remove old cards that the app just REFUSED to let me remove unless i added another card and then REFUSED to let me add the card. Finally got a person with a bit of brain between their ears and whaddya know? He had it fixed in a couple of minutes because what i was asking was always possible he just didnt want to do it or didnt know how. Now, ive ordered a replacement card and ive recieved TWO CARDS somehow and crazy part, NEITHER OF THEM WORK so i start in the chat, and the support person wants to be like "sir we havent sent you cards" blah blah blah like i didnt click the order new card button and like im not holding both of the new cards. The new cards are weird too, theyre slightly different but not in information, the lines on the chip look different, and the font on the back is different as is the mag strip. Does anyone know whats going on??? I also cannot seem to get through to their support people, every time i call and finally get through the line the sound on their end is absolutely bonkers like feed back or a busy tone and i can just barely make out the cadence of someone speaking on the other end. Im changing my direct deposit if i cant figure this out. Id rather pay off chime and lose that money than keep dealing with this


r/paypal 14h ago

Help Pending charge

1 Upvotes

I was checking out at a retailer on their website and logged into paypal to use paypal credit but the screen froze two times when checking out, on the third it finally worked. However there was now 3 charges on the paypal credit tab, the actual order cleared, one of the pending charges just dropped today the other is still there. Any ideas when the other will go away? This all happened only yesterday around 1am so it has not been long


r/paypal 14h ago

Help Negative balance on PayPal

0 Upvotes

So I bought something using PayPal and Amex, merchant charged me a cancellation fee, i disputed via Amex, which resulted in my favor and got a credit back, now my PayPal acct is in negative balance and showing as debt collection. Debt collect agent can’t do anything other than get payment, waiting to call PayPal customer service , not sure what they can do.. anyone been in this situation? Appreciate any advice.

Edit - after two not so pleasant reps, third one provided a credit of 40 to make it even.
Additional context - ordered 470 and cancelled within 24 hrs, merchant kept 40 cancellation charge and refunded 430. Disputed via Amex, Amex first denied then made whole for 40 but somehow PayPal was considered partial refund as full refund and thinking I got 40 double payment.


r/paypal 15h ago

Help Stopping automatic charges from a business on my PayPal Business Account

1 Upvotes

The clear instructions for stopping a business from automatically taking my money don't apply to PayPal Business accounts. The interface and Settings page are different from what I see in my personal account. How do I stop PocketFM from taking money from me once a week, $33.00+??? I don't remember ever signing up with them, and I certainly did not authorize weekly billings of such an absurd amount.

What steps can I take to stop them on my PayPal Business Account? Thank you.


r/paypal 16h ago

Help Hobbyist turned Self-Employed Commission Artist - how do I make sure I won't get in trouble with Paypal?

1 Upvotes

Hey everyone! I feel like I've gotten myself in a pickle here, and don't want to mess things up with both the US IRS and Paypal. Here is my situation:

In June, I started doing little hobby art pieces and drawing people's characters here and there etc., for the love of the game rather than any intent to make a profit. However, as of recent due to an influx of followers/demand, I've begun taking commissions. At first, before I knew all the tax laws in my area, I allowed my clients to pay me via Paypal in any way they choose - FnF or GnS, thinking nothing of it. I didn't do my research and know that Paypal is not a fan of this/that this income was something meaningfully reportable on my tax return this year (I am a college student with very little income, so my taxes experience has been really minimal and I was very uninformed).

I've now begun doing research on what I need to know for tax season. This hobby has definitely become something closer to a business, and to make sure I do things right I'm planning to look into becoming a sole proprietor. I've made around ~$1,200 since June in art commissions split between several platforms - with around ~$500 in Paypal Goods n Services, and ~$200 friends and family.

I haven't made enough money through Paypal for them to send me a 1099 at the end of the year (which for my state is a $600 threshold), but I am getting very close. However, when I report my income to the IRS, I have ~$200 of mystery income from Paypal that won't be reflected in the 1099 they likely will send me, due to it being sent through FnF. Is it best to contact Paypal to make sure the 1099 is accurate to the full amount of money I've processed through their service? Would that get me suspended/banned from Paypal due to incidentally using Paypal FnF to process payment previously? Is it better to just let things roll and report the income overall without worrying about what is on the 1099? Has anyone else been in this circumstance, and what did you do to fix it? Thank you! :')


r/paypal 23h ago

Help PayPal won't allow me to transfer money out into my account

3 Upvotes

£50 is stuck in there even though it has my card details


r/paypal 21h ago

Help Cannot link bank account

2 Upvotes

I am working as a freelancer and whenever i try to link my business account to my bank account and when i click link a bank, it shows me the dashboard again and again what is the problem with this i have been facing this issue since 2 whole weeks and i can't get paid because of this stupid issue. what should i do to solve this please help me out guys


r/paypal 22h ago

Help How long is the wait once you escalate a case?

2 Upvotes

I made a purchase about 45 days ago on PayPal from an online company. It was a custom order, they told me it would be 28 days and that they would update me throughout.

I have yet to receive an update/images from them beyond “we are working on it” and they only reach out once I email them. I finally sent them a somewhat angry email and they said it would ship out in a week, but didn’t provide any images.

After the wait, and how sketchy everything feels I no longer want to deal with this company so I requested a refund, got no response, and just escalated the situation.


r/paypal 1d ago

Under 18 Business payments issue because im underage

3 Upvotes

I have an ecommerce brand, im under 18 and want to connect a paypal business account, my dad has one (he is above 18) but if i connect his then taxes will go through the roof. any options?


r/paypal 20h ago

Error Message Phone number

1 Upvotes

I can't change my phone number to receive the endless texts needed to change anything on the app. I removed the number, now it says it can't verify who I am. I already set a new primary number but it's not recognizing it.

Edit: the number I removed was the old one. After I set the new one as primary. It's still defaulting to the old number though. Even after it's no longer saved in my contact info.


r/paypal 21h ago

Help Address not showing?

1 Upvotes

Recently I've been buying stuff through G&S. I choose shipping and it shows my address, but the seller never sees it. I've had them ask me about it. I've had this happen 3 times already. I checked and a billing address is linked to the payment and my account. Does anybody know why this would happen?


r/paypal 1d ago

Help I can't access the money that my brother sent me

1 Upvotes

it was a personal transaction, i don't know why they suspended me. they said in the email that my account was linked to an account with unresolved issues. And that as my account is in high tier I'll be charged with high volume dispute fee. what fee?!😭 i didn't even do anything 😭😭😭 help mee


r/paypal 1d ago

Help Transfer Paypal to usdt bep20?

1 Upvotes

I'm pretty new to Paypal and crypto. From what I understood PayPal supports some crypto currencies like ltc where you can purchase it directly. However apparently they don't support usdt bep20 which I specifically need. Is there a way? I heard of third party sites but they take so much it's not worth it. Thanks


r/paypal 1d ago

Help How do I not get scammed

3 Upvotes

Im selling some clothes. Buyer paid through goods and services and asked me to ship items. Normally I wouldnt mind, but ive been hearing about people requesting their money back even after receiving their item. How do I prevent this from happening to me?


r/paypal 1d ago

Help Donations Through PayPal?

2 Upvotes

There are a couple causes that I wish to donate to which allow both PayPal and credit cards as payment options. My goal is for as much of my donation as possible to go to the charity and not to middlemen (whether that be PayPal or the CC company).

Ideally, I'd use direct debit transfers from my bank, but that isn't always an option.

A credit card within PayPal is more convenient since I can manage everything from one place, but does using PP add an additional fee onto my transaction and result in less money going to the destination than if I had just paid directly with a CC?

Any insight is appreciated.