The Paypal payment system has long earned a reputation for being a reliable and secure environment in which users can feel secure about losing their money. However, like any tool, this system has its own nuances that need to be considered. One of these nuances in the case of the paper is the automatic blocking of the account, which is called the "restriction" in the system. Let's figure out what it is.

What does the message "Your account is limited" mean?

The system sends a similar notification to users who have received this "lock":

Your account has been capped and you can no longer send or receive cash via paypal. To remove this restriction, in accordance with Russian law, you must provide your passport data. Go to the Resolution Center and follow the instructions.

Thus, limiting the account only means that some operations will not be available to the user for a specific reason, the account itself is not deleted or blocked in the usual sense of the word. Typically in personal account the reason for the restriction is indicated, and how the service offers to remove it.

Why does Paypal limit user accounts?

Paypal - international financial system with an impressive turnover, which, of course, attracts scammers and other unclean people. In order to protect against them, the service actively detects and suppresses dubious operations. And sometimes even the most common transaction, such as a purchase in an online store, can fall under the concept of "dubious", which subsequently leads to a limitation of the account.

The user can always find out the reason for limiting the account in his personal account on the site, but the most common options are as follows:

• the account could be used by a stranger;
• the bank reported to Paypal about an illegal transaction involving the linked bank account or card;
• the account has violated the laws of its country;
• the user did not comply with the Acceptable Use Policy;
• bad reputation of the user as a seller - many returns, claims (brands or disputes) "hang" on him.

This list is not exhaustive, but it covers most of the reasons for account restrictions.

Paypal needs to collect additional information about you. What does it mean?

Pursuant to Section 4 of the User Agreement for PayPal Services, the company has the right to request from users any information it deems necessary to verify the user. Naturally, first of all it comes about an internal Russian passport (or a document replacing it), but the service may also request a TIN, SNILS, and other documents.

Also, the service may ask to provide papers confirming the purity of operations - account statements, receipts, etc. All requirements for the necessary documents will be indicated in the notice of the reasons for the restriction.

How to contact the Paypal Problem Resolution Center?

To clarify the nuances of limiting an account, the user can contact the Resolution Center Paypal problems, in which he will be explained the reasons for the "blocking" and further steps to remove the restrictions.

This can be done by following the link and clicking on the open "case" from Paypal, which explains in detail what to do next to the user.

Also, in some cases, such problems can be resolved with Paypal by phone, but this is not always possible. The Paypal phone number, as well as the calling instructions, can be found on the Contact Us page.

What should be done to avoid account caps?

In order for your transactions to remain “clean” from the point of view of the Paypal service, you need to observe banal “digital hygiene”: do not open dubious links offering to enter data from your online bank or Paypal accounts. This also includes the sensible requirement to periodically change the password for the same accounts.

Merchants using Paypal as a payment processing tool should not sell items that require special permission (medicine, firearms, etc.) if they do not have one. Failure to comply with Russian laws and Paypal policies may result in account restrictions.

Sellers should also monitor their reputation: try to deliver their goods on time, describe them as accurately as possible, and be responsible. Of course, one or two occasional complaints from buyers will not ruin your reputation, but the constant stream of disputes will eventually affect the seller's account.

When registering in the Paypal system, each participant must familiarize himself with the user agreement, the policy of acceptable use of PayPal, and other documents regulating the relationship between the users of the system and the user with the service. A careful study of these documents, and the implementation of the rules and regulations described there, is already in most cases enough to ensure that the account is never subject to restrictions.

Users can receive a notification about the restriction regardless of whether their card is verified or not.

The message you receive will contain the following phrase: Limited account access.

This can happen for several reasons. Among them, the most common is the absence of important documents or if your account has caused any suspicion from the security service.

Often, the security service does not try to hinder your operations at all, but only tries to protect you.

There are also frequent cases when the blocking of your acanthus will be lifted immediately after you can prove that the operation was performed by you.

What are the sanctions if you are blocked by PayPal?

• You will not be able to pay for your order through PayPal
• Acceptance of payments is limited
• There is no option to close your PayPal account
• Access to viewing statistics is limited.

This practice is applied not only to novice users, but also to those who have quite a long experience in working with the PayPal payment system.

What to do if your account is blocked

If you find yourself in electronic box a letter from PayPal, in which it is written that your access to the PayPal system is limited, then first of all it is very important to figure out whether this letter is real or just a "scam".

Often this restriction can be removed quickly enough by going to your account system and heading straight to the Problem Resolution Center tab. It is located in the upper corner of your account.

After that, by clicking on the sub-item Limited Account Access, which means "why my account is blocked", find out the reasons for limiting your options. Account blocking, as we have already said, can occur by different reasons, and the decision must be made on the basis of them. The most common problem is the absence of all or some of the required documents.

How can I remove restrictions from my account?

Action one

Make a copy of all documents requested by the system.

The list of required papers is as follows:

1. Copy of Passport: Both an international passport and an official passport of your country will work equally.
2. Utility Bill: copies of your personal bills, which include bills for Internet, telephone, utility bills. They do not only require a mobile phone bill.
3. Bank statement on your account and card, where your last name, first name and patronymic must be indicated, and they must certainly be identical to those that you indicated when registering your account.

A few such documents are enough.

Second action

Now all prepared documents should go to the PayPal office. They can be uploaded directly to the site or scanned and sent to the system itself.

If you chose the latter, then be sure to make sure that the data is uploaded through a secure connection to the resource.

If you have decided to send documents via fax, then you need to know a number of important features of this type of sending.

First of all, you need to print the cover page for your documents. You will receive it by your own handwritten request, which can be done by going to the Limited Account Access tab - Sending by fax.

It is this form-filled page that is the starting page, and you need to start sending directly from it.

The meaning of English terms

• Cover Page - cover page
• Pages - the number of pages to be sent. The title deed is also counted in this number.
• Phone - contact telephone number, where you can be contacted at any time.
• Enter a new email - enter your new email address, if the one that was specified for the first time does not work for some reason.
• Comments is a comment item, in which it is imperative to indicate which documents were sent by you, as well as write anything that you think is necessary.

Act three

The company's security service will review the copies of documents received from you within 3-5 days. As a result of the verification, you will receive a response from the official representative of the PayPal payment system.

There can be only two options.

The first one is pleasant: the restrictions have been lifted.

Second, less desirable: insufficient data provided. In this case, you need to carefully study the message received and provide the company with additional documents. Which ones - they will indicate to you in the letter.

Remember: the company decides what the limit on operations will be individually for each client, drawing its conclusions based on the information you provide. And therefore, if you receive the message "Based on the information you provide, we will determine your Sending Limit" - take it for granted.

If you still have to, then be very careful when submitting documents and filling out forms, so that later you do not have to redo everything and wait for a response from the administration.

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Earlier in the blog, there was an article about scams by sending phishing emails on behalf of PayPal or other payment systems. But there are situations when, regardless of whether the card is verified or not, the user may receive a notification about limited access to PayPal. That is, Limited account access.

What is the reason for this? Perhaps the user has aroused certain suspicions from the security service or the necessary documents are missing, so the capabilities in the PayPal system have been revised.

In most cases, we will apply restrictions to your PayPal account to protect you. For example, the account may be limited until you can confirm that the transaction is authorized by you.

As a rule, the following sanctions are imposed:

• Restrictions on sending payments.
• Restrictions on accepting payments.
• Restricting the ability to close your own PayPal account.
• Restriction of viewing statistics for an account.

it standard work a security service that even applies to experienced users.

The letter has been received. How to remove restrictions from PayPal?

First of all email must be checked for fraud. If the notification is valid from PayPal, then the first thing to do is to log into your account using your unique login information (username and password). Then follow the link "Resolution Center" and click "Why is my account limited" (Limited Account Access).

The reasons for blocking can be different and the order of subsequent actions of the user depends on them. Often, access to your account is limited due to lack of required documents... So what do you need to do to remove the security limit?

Step # 1... Prepare the necessary copies of documents confirming the identity of the user and his address. The list of copies of documents is as follows:

• Copy of passport (international or internal passport).
• Utility Bill - These are copies of bank accounts (utility bills, telephone, Internet, etc.). In addition to mobile communications.
• Bank statements, card statements indicating the full name and address (the address must match the one specified during registration). Several payment documents are sufficient.

Step # 2. Upload (or fax) copies of documents directly from PayPal.

If copies are sent by fax, then it is worth considering a number of transmission features. First, you need to print and fill out the page Cover Page- it is provided by PayPal. This is required for the security service. When faxing documents this page sent first - it is the identifier itself. You can get a link to this page on the PayPal website: Resolution Center - Limited Account Access - Faxing

English terms and their meanings:

• Pages - the number of pages required to send, including the first one - Cover Page.
• Phone - contact phone number
• Enter a new email if the one listed is outdated - new email address if the one specified during registration does not work.
• Comments - comments. At this point, you need to specify a list of copies of documents to be sent. You can also write additional information that is worth considering.

If it is difficult to send a traditional fax, then there are a number of well-known and proven services for sending fax messages. Also in many post offices the service "sending a fax abroad" is presented.

Step # 3. The PayPal security service reviews the received copies of documents within 3-5 business days (sometimes more).

Two options for an answer:

1. The restrictions have been lifted.
2. Insufficient data (additional documents must be sent).

If you completed the proposed actions, but the restrictions were not removed from the account, this means one of the following options:
- We have sent you a message by e-mail with a request for additional information, or;
- We will study the information you provided and will send you an email with the new information (usually within 3 business days).

IMPORTANT! The limit of transactions on the PayPal account is set purely individually, based on the information received from the user. From this follows the boilerplate phrase of the security service - "Based on the information you provide, we will determine your Sending Limit".

Each payment system has its own limitations and features. Knowing in advance what PayPal mistakes can be made , you can quickly solve the problem. We recommend that you study in detail how to increase PayPal limits and select the level you need.

Features of limits

The PauPal system, operating in 190 countries, allows you to pay for goods, accept, withdraw and transfer funds. However, the size of monetary transactions is limited. During registration, an account limit is set, depending on the amount of information provided. The restriction is the same for everyone, regardless of the country of residence.

After initial registration, each New user gets the "Not verified" status. The limiter allows you to perform minimal operations with your account. The limit changes only after joining the bank card system, account and providing personal data.

Established restrictions:

1. Anonymous client... A user who has not provided the requested information and has not connected the card cannot receive transfers and withdraw funds. The amount of a one-time transaction does not exceed 15,000 rubles. An anonymous client is able to perform actions for only 40,000 rubles per month. The capabilities of such a user are minimal, it is recommended to immediately provide information to remove limits.
2. Personalized account... After registration according to a simplified scheme, some restrictions are removed. A personalized account allows the client to send 60,000 rubles at a time. It also becomes possible to receive transfers and withdraw funds to the connected bank account or card. A user can perform operations for 200,000 rubles per month.
3. Verified account... If the user wishes to further increase the limits, he must provide personal information. After one document to choose from, the client will receive the "Verified" status. With this level, the user can send up to 550,000 rubles at a time. Also, after removing PayPal limits, it becomes possible to open an account in foreign currency. In one operation, you can send or receive up to $ 5,000. In addition, you can receive transfers from legal entities or entrepreneurs using corporate.

All collected information is stored on secure servers, so there is no cause for concern.

What do you need to remove limits?

Restrictions are removed in just a few minutes. However, this will require some information and documents.

The client must:

1. Attach bank card or an account. The action is offered immediately after the initial registration phase. If the user canceled the request, using the menu, you can add a card at any convenient time.
2. Enter passport data. The user should enter the number and series of the document.
3. SNILS, INN, OMS. It is required to enter the number of one document to choose from.

To remove the limit in PayPal, the client will have to provide a minimum set of documents. However, if this information is not available, you will not be able to remove the limits. Unfortunately, for new users in Russia, all these documents are mandatory. After the entry into force of the new law, in April 2015, forced verification of users began.

How do I remove the restriction?

Removing limits is easy - there are several steps involved. However, the user is required to be careful, since all information must be reliable. If you make even a minor mistake, the system can block your account.

Sequencing:

1. Execute.
2. Click "Check your account limits". The tab is at the bottom, on the left side.
3. A window with information opens. The page contains information about account limits and describes the benefits of removing restrictions.
4. Click on "Increase Limits". The button is at the bottom of the window.
5. A tab with requirements opens. On the page that appears, the user is asked to indicate and confirm bank details, enter personal information.
6. All required actions are performed. If the card has been added and verified, all that remains is to enter the information. The user will have to enter the full name, country of residence, personal data, citizenship, additional document number,.

After completing all the points, the client receives the account status "Verified". You can find out about a successful result either in the service menu.

You might be interested in a video about PayPal limits:

Common mistakes

The client of the system should know what he may encounter using payment service... Most often, problems arise due to inattention: the user has forgotten the account data, did not look at the account status and made a payment, entered the wrong details. However, it should be remembered that problems can also arise from the side of the company. If the service reports unknown error, it is recommended to immediately contact technical support... The consultant will help to determine from which side the failure occurred, will contribute to the solution of the problem.

Frequent problems:

1. Invalid currency. Error "10001" informs the user about the need to change the currency. For users from Russia, it should be rubles. You can change the currency in the settings.
2. Problems sending payment. Users encounter error "601", which informs about the impossibility of sending a payment. The problem is solved simply. To fix error "601" it is recommended to clear cookies, browser history, cache and other temporary files. Unfortunately, cleaning doesn't always help. If the error "601" remains, you can try to pay for the order through the "Send Money" section.
3. phone number. Perhaps, when entering mobile, the user made a mistake. You must enter the correct number specified during registration.
4. PayPal login failed "12". There is a problem with an incorrectly entered password or email. It is recommended to check the data. If after three inputs the error of logging into PayPal "12" remains, you should start recovering the lost information.
5. Does not work . Error "10422", reports problems in the payment method. The client just needs to change the translation method. In case of the next error "10422", you need to contact technical support. If the customer cannot pay for the purchase through PayPal, the problem should be looked for in the bank account or card after talking to a consultant.
6. The buyer cannot pay for the item via PayPal. In addition to error "10422", there are many other errors that prevent you from paying for purchases. Clients are often faced with something that doesn't go through. Funds are debited from the account, but not transferred to the seller. The money is frozen and returned only after two weeks, or after processing the return request.

When an error occurs, little depends on the user. The client can change the payment method, make minor settings, go through verification to remove restrictions. It is recommended to entrust the solution of other problems to the support service.

Good afternoon.

1. First of all, I would like to note that all blocking of cards of individuals (as well as blocking of current accounts of companies / individual entrepreneurs) is not some whim of the bank or some accident that cannot be predicted, but the consequences of your violations.

In short, there is already a fairly well-known law 115-FZ "On combating the legalization (laundering) of proceeds from crime and the financing of terrorism." In the law itself, there is little specifics, namely, it says that transactions for one-time amounts of six hundred thousand rubles are controlled and they are really controlled, but this will not help you in any way to understand the reasons for blocking cards, since banks also control many other operations and in many other parameters.

In general, everyone who performs a large number of transactions with cards is at risk - freelancers, online stores and other companies that receive payments for goods / services on cards of individuals, those who receive non-salary payments from legal entities. individuals / individual entrepreneurs, cryptocurrency traders, financiers, those who play on exchanges, receive payments from bookmakers, those who use online exchangers, who receive large sums from abroad and a huge number of others whose activities are associated with the performance of a large number of transactions on maps.

Certain specifics are set out in the Appendix to the Regulation of the Bank of Russia of March 2, 2012 N 375-P "On the requirements for the rules of internal control of a credit institution in order to counter the legalization (laundering) of proceeds from crime and the financing of terrorism" - there is a list of 18 pages , which contains the parameters by which banks must identify suspicious transactions.

What it looks like in practice - the Central Bank has developed criteria for identifying suspicious transactions, banks, based on these criteria, have developed their own automated systems that automatically track all transactions according to specified criteria, and if the system recognizes your transactions for a certain period as suspicious - you a request for 115-FZ arrives.

Therefore:

A) Requests for 115-ФЗ are generated automatically by an automated system. Many people think that this particular person is sitting in the bank and chooses who to get to the bottom of, to whom to send a request. This is not true! All requests are sent automatically if you do not comply with the parameters for which it works automated system jar.

B) Allegations that "banks are insolent and block whoever they want" is all nonsense. Requests are formed on the basis of strictly defined criteria, there are no “random” requests. Moreover, I will note that the specified criteria of the Central Bank are the same for all banks, therefore, according to my practice, stories in the format “Sberbank constantly blocks, but the bank“ xxx ”does not block anyone” - this is also nonsense. There are indeed certain differences between banks, and sometimes quite significant, but the general vector for all banks is still the same and there are risks when working with any bank.

On the other hand, I would like to note that there are indeed many blockings that are unreasonable, and in my practice, a significant part of the blocking of banks can be challenged in court, but in all cases it is better not to rely on challenging the bank's actions, but initially to work so that you do not receive requests.

C) The very fact of receiving a request is already evidence that your operations in the bank are recognized as suspicious and, accordingly, this already means that since you worked before the request, you cannot continue to work, otherwise the request may come again even if the bank is all for the first time. will remove the claim (even if all operations are formally legal).

D) I also note that the same requirements equally apply to payment systems (Yandex.Money, Qiwi, WebMoney wallets, etc., although in practice they are generally more loyal).

2. Regarding the blocking procedure. The order is usually as follows:

A) You do not comply with the criteria of the Central Bank.

B) The system automatically generates a request that you receive, in which the bank asks you for "the economic meaning of the operations being carried out" and a number of documents that should help the bank determine whether your operations are related to something illegal or not. At this stage, as a rule, the bank already limits the ability to use the card until a decision is made on the result of the justification and documents you provided.

C) You provide the requested documents.

Here, in practice, the most common mistakes are the following:

- a person begins to wave a checker and declare that the bank's actions are illegal, I have not violated anything (see clause 1 and the arguments that requests do not come just like that, although banks really often ask for a lot of "superfluous" and similarly often requests come to situations when you did not even close to anything illegal) and refuses to provide documents. By such actions, you actually refuse to fulfill the obligations imposed on you to provide documents under 115-FZ and this entails very bad consequences up to including you in the black list of the Central Bank (where there are already about 500,000 people and companies, a huge number of which are really not engaged in any crime, but simply carried out operations incorrectly, or took the wrong position after receiving a request for a bank).

Also common mistake- a person does not need a card much (for example, there is no money on it and there is no interest in using it either) and he decides, they say, I will not provide anything, I will close it and that's it, since I don't need it.

Another common mistake is to rely on the fact that you will be able to fight off any claims by providing agreements in support of transfers, regardless of the nature of the transfers. You need to understand that the bank can block you not only when there is direct evidence of your violation of the law, but also when the nature of the transactions itself gives reason to believe that the transactions may be related to illegal activity, even despite the documents you have provided. The practice of specific banks is of great importance here.

It is also a common mistake to give an answer without first analyzing the situation with a lawyer, since there are a lot of other small and often formal aspects of interaction with the bank at the stage of receiving a request, if not observed, you can get a blocking even in a situation where it could have been avoided and when indeed, only legal transactions were made with you.

D) A specific bank employee examines the documents and, as a result, makes a decision on your situation (accordingly, at this stage there is already a certain dependence on a particular bank employee) and either removes all claims and all restrictions on the card, or leaves the blocking in force and, as a rule, in this In case you are asked to write an application for closing the card "of your own free will". Also, in practice, after receiving the documents, sometimes the bank may request additional documents.

3. You may ask - they say, how is it, my friend / acquaintance spends huge amounts through cards and no one blocks anything for him despite all the restrictions, but why then they blocked me?

The answer is quite simple, several options are possible:

A) Your friend / acquaintance deliberately / unknowingly performs operations in such a way that they are not recognized as suspicious in the bank / payment system, since if the criteria are met, you will not receive a request.

B) It's just that the total duration of transactions has not yet led to the recognition of transactions as suspicious and blocking, and sooner or later this will happen.

4. Consequences. If you focus on my practice, I can say that:

A) In case of blocking, an unambiguous consequence is spoiled relations with the bank that blocked you, that is, cards / accounts will no longer be opened for you here. Although there are still exceptions here.

B) A worse consequence is the inclusion in the black list of the Central Bank. If you really engage in crime or if your operations are not related to anything illegal, but at the same time you take the wrong position in dealing with the bank, there are serious risks of being blacklisted by the Central Bank, and in this case, not only the one who blocked you will not want to cooperate with you bank, but any other bank in general, since all banks will see that you are on the Central Bank's black list.

C) Many more are interested in - they say, will the bank give the money? Here I will just say that according to the law, yes, the bank is obliged to give the money, but in my practice it is not so easy to get my money from the bank, there are certain nuances.

Thus, to summarize:

1) There are no accidental locks, each lock is a series of errors on your part.

2) It is very important to take the right position in communicating with the bank, prepare correct explanations regarding the economic meaning of the operations carried out, the slightest mistakes at this stage can lead not only to blocking the account and difficulties with returning money from the bank, but also to putting you on the black list of the Central Bank with all that it implies.

3) It is very important to initially work in such a way that you take into account the requirements of the Central Bank and the banks themselves when carrying out operations, do not carry out operations that are dubious according to the criteria of the Central Bank, since only this can save you from being blocked.

I hope my answer helped you.

Sincerely,

Dmitry Vasiliev.