PayPal · PayPal User Agreement · View original document ↗

Fund Holds, Reserves, and Payment Delays (Up to 180 Days)

High severity Unique · 0 of 325 platforms
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Recent governance activity PayPal recorded 16 documented changes in the last 30 days.
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This analysis describes what PayPal's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

The clause establishes procedural requirements for business account termination and specifies conditions under which PayPal may restrict how funds are accessed or withdrawn, contingent on completion of identity verification procedures.

Consumer impact (what this means for users)

Business account holders must complete identity verification steps and execute a transfer or withdrawal action before closing their account. Accounts with unverified information have restricted withdrawal options limited to linked bank accounts or debit cards rather than other potential transfer methods.

How other platforms handle this

Anthropic Medium

Fees do not include any taxes, duties, or assessments that may be owed by Customer for use of the Services ("Taxes"), unless otherwise specified in the applicable invoice. Customer is responsible for remitting any necessary withholding Taxes to the relevant authority on a timely basis and providing ...

Airbnb Medium

Airbnb Payments will collect the Total Fees at the time of booking confirmation (i.e. when the booking request is accepted by a Host for instant bookings). In the event of a cancellation, Airbnb Payments will refund the Guest in accordance with the Host's cancellation policy, and any refund will be ...

Netflix Medium

You authorize us to charge any Payment Method associated with your account in case your primary Payment Method is declined or no longer available to us for payment of your subscription fee. You remain responsible for any uncollected amounts. If a payment is not successfully settled, due to expiratio...

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▸ View Original Clause Language DOCUMENT RECORD
"
If you have a business account, you must withdraw or transfer any balance from your business account before closing it, and if you have not provided the required identifying information to us, or if we are unable to verify the required identifying information you provide, you must transfer any balance in your business account to a linked bank account or debit card.

— Excerpt from PayPal's PayPal User Agreement

Provision details

Document information
Document
PayPal User Agreement
Entity
PayPal
Document last updated
May 5, 2026
Tracking information
First tracked
May 9, 2026
Last verified
May 12, 2026
Record ID
CA-P-002713
Document ID
CA-D-00044
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
2d0381243294a2aed314178811fad5fec7c963abac577fa68b10c8714dff07dc
Analysis generated
May 9, 2026 17:23 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: PayPal
Document: PayPal User Agreement
Record ID: CA-P-002713
Captured: 2026-05-09 17:23:44 UTC
SHA-256: 2d0381243294a2ae…
URL: https://conductatlas.com/platform/paypal/paypal-user-agreement/fund-holds-reserves-and-payment-delays-up-to-180-days/
Accessed: May 20, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does PayPal's Fund Holds, Reserves, and Payment Delays (Up to 180 Days) clause do?

The clause establishes procedural requirements for business account termination and specifies conditions under which PayPal may restrict how funds are accessed or withdrawn, contingent on completion of identity verification procedures.

How does this clause affect you?

Business account holders must complete identity verification steps and execute a transfer or withdrawal action before closing their account. Accounts with unverified information have restricted withdrawal options limited to linked bank accounts or debit cards rather than other potential transfer methods.

Is ConductAtlas affiliated with PayPal?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by PayPal.