Are you more than tired of being afraid of a PayPal block and having it put you in trouble in your business? PayPal is the most popular platform for sending and receiving payments. PayPal is accepted by many e-commerce companies. But PayPal is more than that. For entrepreneurs, PayPal is part of their business management and their funds pass through this platform.
It becomes problematic when PayPal blocks your account and your money. This is a procedure that can last several months and jeopardize your business. If you do some research on the subject, you will quickly realize that this is a recurring problem and that it happens to many more people than you think. That’s why it’s important for you to know how to avoid having your PayPal account blocked and how to quickly unblock it in case this happens to you.
Why does PayPal block accounts?
Before we look at how to avoid having your PayPal account blocked, we must first understand why the platform comes to block certain accounts. There are several reasons for this.
PayPal detects fraudulent use
You should know that PayPal does not block your account in order to harm you. On the contrary, it seeks to protect you.
In this case, if PayPal detects suspicious or fraudulent activity on your account, it will immediately suspend it. This is to protect your data.
In most cases, fraudulent activity comes from attempts to hack into your account. Your bank and PayPal detect strange activity and will suspend your account to prevent it from being used by someone else.
You’ve reached your payment limit
If you didn’t know, PayPal has established payment limits. You must therefore provide the platform with justifications for your money transfers. There are two levels: 1,800 euros and 2,500 euros. When you make transfers that exceed these amounts, PayPal will temporarily suspend your account.
You engage in risky activities and transfers
What PayPal defines as risky activities is when there are frequent chargebacks on your transfers or repeated complaints from your customers.
This also applies to suspicious transactions.
Your account will therefore be temporarily suspended so that PayPal can perform checks on your account. Before your account is suspended, the platform will notify you by email so that you can fix the problem(s) before suspension.
Your account is inactive
Perhaps you have a PayPal account that has been open for a while and you’re not using it? After a while, PayPal will block it because there is no activity on it. In fact, PayPal will not make any profits from this account, so it is not worth keeping it active.
In this case, PayPal will notify you by email to verify that you really don’t intend to use your account anymore.
Fortunately, there are ways and tricks to avoid all these inconveniences and blockages of your PayPal account.
How can you avoid PayPal account blocks?
Justify your transactions with order tracking numbers
To avoid certain activities or money transfers being considered suspicious, the best thing to do is to justify yourself in advance.
You can therefore provide the tracking numbers of the orders you make so that PayPal can verify their authenticity.
Take the time to properly configure your PayPal account
As in most cases, algorithms are configured to monitor activity on your account. These algorithms take into account different data from your activities and cross-reference them with your account settings.
Hence the importance of properly configuring your account to allow these algorithms to better understand your activities.
In your company information, you have the possibility to change the average amount per transaction and the average monthly volume. If this data is too low compared to your real activities, it will make the algorithms check your account. So you can adjust these settings according to your activities.
Respond to every dispute
The numerous disputes are a main source of account blocking by PayPal.
In e-commerce, it is normal to have some disputes.
You must therefore respond quickly in order to close it. Find solutions quickly and reimburse your customers so that the dispute is quickly closed.
The goal is that PayPal does not need to intervene. If PayPal has to intervene too often, your account will be put under surveillance.
In order to avoid opening too many disputes, you can warn your customers in advance by telling them that they can contact you before opening a dispute. This is in order to find a solution without PayPal being informed of a problem.
It is then up to you to ensure quality after-sales service and to respond quickly to your customers’ problems.
Keep in mind that the customer is king and that it is better to find an amicable solution to avoid problems with PayPal.
Anticipate exceeding the payment limit
If you have a large volume of sales at once, you will probably exceed the payment limit set by PayPal.
It is therefore highly recommended to be proactive and to provide them with the necessary proofs so that your account is not suspended.
If you did not anticipate this overage, PayPal does not immediately block your account but warns you by email. You must therefore take care of it immediately and provide them with the requested proofs.
If you are unable to provide them with the receipts via the platform, you should call PayPal’s customer service to explain your situation. This will prevent your account from being blocked until you are able to provide your credentials.
Don’t limit yourself to one PayPal account
You are allowed to use multiple PayPal accounts for the same company.
Each account only needs to have its own contact information.
This is not a trick to avoid having your account blocked, but a backup solution in case this happens to you anyway.
By having two accounts, you will be able to continue your activities without too much impact if PayPal blocks one of your accounts.
