Receiving limit with no explanation or notification

[Steve677]

Hi, I appear to have a receiving limit although my acct is fully verified & PayPal have not advised me of a limit.

I’ve used PayPal for many years, lots of high value transactions etc but now I’m completely stuck with no explanation or way around.

any suggestions please?

[kernowlass]

@Steve677 

Think your best bet is to contact customer services as only they can check your paypal account for any issues.

https://www.paypal.com/cshelp/article/how-do-i-contact-paypal-customer-service--HELP378

[Grimreepr]

Quick question, is this payment attached to a debit card?  Some debit cards are implementing a limit for "online" purchases.  My personal debit card has a limit of $400 for each transaction.  Is it possible that your purchase is exceeding a limit that the Debit card has imposed for online transactions?  It may well be worth your time to check to see if there are any new restrictions imposed by your debit card company.

This sounds like a probable cause as it would be beyond the scope of Paypals software as they would only receive a "declined" message from your Debit card financial institution.  That way there may well be no error given, just the message that the payment failed.

[Steve677]

Thanks Grimreepr

Money is being sent to me from an acct linked to bank acct rather than a card, their acct & mine are verified.

I’ll try calling them later

[Grimreepr]

By the way, this also includes payments received as well as payments sent.  I can not send nor receive more than $400 on my debit card unless I contact them and make arrangements for a one time increase to the limit.  In my case, this can be a one time arrangement or a time based arrangement never more than a 12 hour window. 

In the case of a one time arrangement, it looks for a single transaction that exceeds the $400 limit, then reverts back to the $400 maximum.  In the time based version, ANY transaction in that window of time can exceed the $400 limit, but when the end time is reached, it too reverts back to the $400 limit/transaction.  This does NOT effect refunds, only purchases or payments received.  Why they limit incoming cash amounts remains a bit of a mystery, but it appears they put a limit on and any new transaction that exceeds that limit gets rejected.

I am not saying this is your issue, but seeing as I have personally experienced this issue, this is being passed on for information purposes only and may well be worth your checking into.  Also note, that this restriction is only implemented on "personal" debit cards, business based debit cards have a different set of guidelines they follow.

[kernowlass]

@Grimreepr 

OP is in the UK, we have no limits on amounts sent using a bank account OR a debit card in the UK via paypal.

As long as there are funds in that bank or card account to fund the payment then its fine.

[Grimreepr]

OK, is that a federal law?  Individual Banks can not impose limitations on the cards they issue?  Is he using a bank based in the UK?  I lived in the US for awhile, but used my Canadian Bank account as I knew I was returning home. 

I just referenced it because it has happened to me on more than one occasion.  My cousin lives in Israel and still uses their Canadian Bank account and debit card.  Just trying to help and think outside the box so-to-speak.