A hold or limitation can freeze revenue you've already earned. Here's how to respond, what usually triggers holds, and how to make sure one provider's decision can't stop your whole business.
Reply within 24 hours. No obligation.
The notice typically says what PayPal needs from you. Respond promptly and keep everything in writing.
Invoices, shipping and tracking, supplier receipts and proof of delivery or service are the usual evidence. Organize them by order.
Pulling funds out through other channels or opening a second account can lead to further limits.
Open disputes and unhappy customers add to the problem. Stay in touch with buyers while the hold is in place.
Work out how many weeks you can operate without the held balance, and pause large inventory or ad commitments if you need to.
If PayPal is your main way to get paid, a second way to accept cards means one decision can't stop your sales.
These are common patterns. The notice on your account is the authority for your case.
Limited history plus a sudden jump in volume looks like risk to automated reviews.
A longer gap between payment and delivery raises dispute exposure.
Buyer claims, chargebacks and refund rates can lead to reserves or holds.
Some products and services are restricted or need approval before you can accept payment.
Mismatched identity, bank or website information can pause payouts until it's resolved.
We’d rather be straight with you now than disappoint you later.
Two minutes. Name, company, website, and your current processor if you have one.
A person, not an autoresponder, replies and asks for a recent processing statement and a few details.
Whether your business fits, what to expect on reserves and limits, and whether we’d recommend applying. If we’re not the right fit, we’ll say so.
Free Account Stability Review
We’ll reply within 24 hours. No obligation, and no credit check at this stage.
We’ll reply within 24 hours. Watch for an email from justifiedpayments.com, and check spam if you don’t see it.
It depends on the reason and the documents you provide. We can't speed it up. Your notice and the Resolution Center are the authoritative source for your case.
Not necessarily. Many merchants keep PayPal as one option and add a card-processing account so a single decision can't halt revenue.
A limitation on its own is not the same as being on the MATCH list. Underwriting looks at your processing history, chargebacks and business model. We'll tell you where you stand.
A percentage of sales held for a set period as a buffer against chargebacks and refunds. Terms vary by processor and risk profile. We explain what to expect for your business in your review.
This page is general information, not legal or financial advice. A review is not an approval or an offer of credit; underwriting decisions are made by acquiring banks. Justified Payments is not affiliated with, endorsed by, or sponsored by PayPal. All trademarks belong to their respective owners.