PayPal · PayPal User Agreement

Fund Holds — Up to 180 Days on Account Limitation or Closure

High severity
Share 𝕏 Share in Share 🔒 PDF
Watch PayPal Get alerts when this provision or policy changes.
Watch — $9.99/mo

Why it matters (compliance & risk perspective)

A 180-day hold on your PayPal balance — which could include funds from sales or transfers — can cause severe financial hardship, particularly for small business sellers who rely on timely access to revenue.

Consumer impact (what this means for users)

PayPal's User Agreement significantly affects your financial rights and access to funds — PayPal can place holds on your money for up to 180 days and limit or suspend your account at its discretion. You waive the right to participate in class action lawsuits and must resolve all disputes through individual binding arbitration, which is generally more costly and less accessible for small-dollar claims. You can opt out of the arbitration agreement by sending a written notice to PayPal's Legal Department at 2211 North First Street, San Jose, CA 95131 within 30 days of first accepting the User Agreement.

How other platforms handle this

Microsoft Copilot Medium

Paid subscriptions will automatically renew unless cancelled. Microsoft will tell you in advance when paid subscriptions are up for renewal. If you do not want a subscription to renew, you must cancel it before the renewal date. If a subscription renews, Microsoft will charge the payment instrument ...

Calm Medium

We may terminate your access to and use of the Services or your account if you violate these Terms, in our sole discretion without notice to you and to the extent permitted by applicable law.

T-Mobile Medium

Yes. Except as described below, we may change, limit, suspend, or terminate your Services or the Agreement at any time, including if you engage in any of the prohibited uses described in the Agreement, no longer reside in a T-Mobile-owned network coverage area, or engage in harassing, threatening, a...

See all platforms with this clause type →

This clause could change without notice.

Get alerted when PayPal updates this policy — with plain-language summaries and severity ratings.

Watch PayPal Need compliance memos? Professional →
View original clause language
If we limit your account, you will need to resolve any issues with the account before we will release the funds. If your account is closed, we may hold your funds for up to 180 days if we reasonably need to do so to protect against the risk of liability or if you are in violation of this agreement or the Acceptable Use Policy.

Applicable regulations

COPPA
United States Federal
CFAA
United States Federal
DMA
European Union

Provision details

Document information
Document
PayPal User Agreement
Entity
PayPal
Document last updated
April 29, 2026
Tracking information
First tracked
March 6, 2026
Last verified
April 9, 2026
Record ID
CA-P-002288
Document ID
CA-D-00044
Evidence Provenance
Source URL
Wayback Machine
SHA-256
787aedff80f89f2d9da4fd79756bbd226f8a5338c9e19c15b2a2fa0d01f59a90
Verified
✓ Snapshot stored   ✓ Change verified
How to Cite
ConductAtlas Policy Archive
Entity: PayPal | Document: PayPal User Agreement | Record: CA-P-002288
Captured: 2026-03-06 20:26:28 UTC | SHA-256: 787aedff80f89f2d…
URL: https://conductatlas.com/platform/paypal/paypal-user-agreement/fund-holds-up-to-180-days-on-account-limitation-or-closure/
Accessed: May 4, 2026
Classification
Severity
High
Categories

Other risks in this policy

Don't miss changes to this clause.

PayPal has updated this policy before. Get alerted on the next change.

Watch PayPal

Frequently Asked Questions

What does PayPal's Fund Holds — Up to 180 Days on Account Limitation or Closure clause do?

A 180-day hold on your PayPal balance — which could include funds from sales or transfers — can cause severe financial hardship, particularly for small business sellers who rely on timely access to revenue.

Is ConductAtlas affiliated with PayPal?

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