“Confirm your email and phone number


Activate the account by clicking the confirmation email link and entering the code sent to your phone. These are basic, required steps that reduce the chance of automated fraud flags.


Link and confirm a bank account or debit/credit card


Add a bank account or card under your PayPal wallet. For a bank account, PayPal often makes two small micro-deposits which you confirm by entering the exact amounts shown. For a card, PayPal may put a small temporary charge that includes a code you enter to confirm ownership.


Complete identity verification if requested


Depending on your country and usage, PayPal may ask for a government-issued ID, proof of address (utility bill), or business documents (tax ID, incorporation papers). Provide clear, current documents matching the account name.


Enable two-factor authentication (2FA)


Turn on 2FA for your PayPal login (SMS or authenticator app). This both reduces fraud risk and is a trust signal for PayPal’s security review systems.


Build legitimate account history


Make small, legitimate transactions first, such as receiving or sending micro payments. Rapidly moving large sums or mixing many unrelated sources can trigger reviews. If you need merchant functionality, open a PayPal Business account and set it up properly (product listings, refund policy, business address).


Follow PayPal’s Acceptable Use Policy


Read and comply with PayPal’s terms. Prohibited activities include selling certain goods and services, facilitating fraud, or repeatedly engaging in chargeback-heavy behavior. Compliance reduces the chance of account limitations.



Common verification issues and how to resolve them
Mismatch between name on ID and bank/card: Ensure all documents use the same legal name. If your bank account uses a shortened name, contact your bank to add the full name or use the card that matches.

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