Payment problems
PayPal limited your account. Here’s the way through.
Limitation means PayPal has restricted some or all account functions while it reviews you — often with funds inaccessible for up to 180 days.
What’s actually happening
PayPal limitations follow its acceptable-use and risk policies: sector flags, unusual activity, dispute spikes or incomplete verification. Like all aggregators, PayPal reserves the right to hold funds — commonly up to 180 days after a permanent limitation — against future chargebacks.
For UK businesses the pattern is familiar: fast onboarding up front, policy enforcement later. Specialist sectors hit it most.
What to do right now
- Complete the resolution-centre steps fully — identity, supply evidence, delivery proof. Partial responses restart the clock.
- If permanently limited, diarise the 180-day date and keep the account’s email reachable — releases require action on your side.
- Preserve evidence of fulfilment for recent sales; disputes filed during limitation are the main drain on held balances.
- Don’t create a new PayPal account to bypass the limitation — linked-account detection makes it worse.
How the group helps
Move card acceptance to a dedicated, underwritten merchant account where your model was approved before the first transaction — with descriptors, risk rules and settlement built for your sector.
If you sell across borders, the group’s payments line also replaces PayPal’s cross-border role: named IBANs for collections and international payouts on the right rails.
Realistic expectations
PayPal’s held funds are released by PayPal’s process, not by anyone else’s promises. Our job is what comes next: infrastructure that doesn’t treat your sector as a surprise.
Related: Online payments · International payments · Merchant accounts
VIP360 is the platform, not the counterparty: regulated services are provided by the licensed institution you are matched with, under its own licence and terms.
Frequently asked questions
Why 180 days?
It roughly matches the card schemes’ chargeback window — PayPal holds funds until the risk of disputes against those sales has largely expired.
Can I appeal a limitation?
Yes, through PayPal’s resolution process, and completing it thoroughly is worthwhile even if you also move processing elsewhere.
Does a limitation affect new applications elsewhere?
Only if concealed. Underwriters see aggregator exits constantly; a disclosed, explained limitation with clean fundamentals is workable.
Talk it through with a specialist
Tell us what happened: sector, provider, timeline. You’ll get an honest read on your options, typically within one business day.
Prefer to write directly? Email info@vip-360.com with “urgent” in the subject line and what happened — it reaches the same specialists, and honesty about your situation speeds everything up.