What should I do if my balance is negative?

If your account balance is negative, check your recent activity to find out why.

If you think your balance is negative because someone used your account, report it immediately in the Resolution Center.

you can restore your balance and have your limited account access reviewed in several ways.

Here’s how to mail us a check, a money order, or a cashier's check:

1. Make the payment payable to PayPal Inc.
2. Write your name and the email address registered with PayPal on the payment.
3. Send the payment to:
   PayPal Operations – ADD
   P.O. Box 45950
   Omaha, NE 68145-0950
   United States

After we get the check at our U.S. office, it takes 7 business days until the money is added to your PayPal balance.

Accounts paid by a personal check must remain in good standing for 30 days before the account can be reviewed.

While your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance, and any refunds you attempt will be funded by your primary bank.

If you don't resolve the negative balance within 120 days, your account will be locked, and you won’t be able to log in without contacting our customer support first.

Note:
If you have multiple currency balances in your account and one of the currency balances becomes negative, we may resolve this by using the money you maintain in a different currency balance.

If your negative balance in non-U.S. dollars has been present for 21 days or longer, we’ll convert it to US dollars.

You can always bring your negative balance to zero by adding money to your PayPal account.

If your account balance is negative, check your recent Activity to find out why.

Your PayPal balance could be negative because:

• You tried to pay using your bank account, but your bank was having technical problems, or there wasn't enough money to cover the payment.
• A buyer opened a dispute, but there was insufficient balance to cover the amount.
• A chargeback was filed through the card issuer – more information.
• A refund was issued on your behalf to cover a buyer complaint.
• A payment that wasn’t eligible for Seller Protection was reversed.
• An unauthorized payment was made from your PayPal account.