Having the question ‘Why can’t I send money on PayPal?’ No need to worry as in this article we will answer your question. Keep reading to find out.

PayPal is a global payment platform where you can send and receive money across borders within seconds. It has helped many professionals and businesses to do business with other people across countries. But as much as PayPal is easy and fast, it is also not uncommon for people to be unable to send money on it.

There can be various answers to your question of ‘Why can’t I send money on PayPal?’. From any issues with your funding sources, such as a Bank account or debit/credit cards, to the status of your PayPal account, several things can cause you not to be able to send money on PayPal. We have compiled several causes for this problem and listed the solutions you can try to solve.

Did you try to send money on PayPal and failed? Then you may understand that this issue, in particular, can be pretty irritating and confusing. But do not worry, we have heard enough complaints from our readers about it and decided to conduct thorough research on this problem. We read the PayPal guides and looked into various other sources for the information. So please read ahead to understand why cannot you send money to PayPal.

Why Can’t I Send Money On PayPal?

PayPal is a country-based payment platform. It means PayPal has to adhere to the country’s rules and regulations in which the user is located. For example, there are many countries where you cannot use bank accounts to connect to PayPal and can only use specific cards. Also, there are many countries where you cannot store balance on your PayPal wallet and have to receive/send to/from a funding source.

So, whenever you ask, ‘Why can’t I send money on PayPal?’, you have to consider where your PayPal account is registered and see if any such rules are affecting your ability to send the money.

Besides some of these countries as the exception, most countries support full access to every service that PayPal offers. From sending to receiving money and connecting your bank and cards to using a PayPal wallet. 

But even if your PayPal account can access all the features on PayPal, sometimes you still cannot send money on PayPal. This issue, in particular, can be caused by various reasons related to your funding source or your PayPal account.

Why Can’t I Send Money On PayPal? Common Causes And Solutions

In our research, we have found some common causes that result in PayPal denying you to send money to other accounts. These causes range from issues in your cards and banks to issues within your PayPal account.

So, you can read the causes in detail and determine the most probable cause in your case. Also, you can check for every error listed below and see if any of them is causing the error in your case and use the solutions mentioned to solve the problem.

1. Insufficient Balance In Your PayPal Wallet Or Your Funding Source

This is a major cause of most transaction failures. If you do not have enough balance on your PayPal balance, PayPal will withdraw the fund from your funding source. And if you do not have enough balance on your funding source, too, PayPal will decline the transaction.

To check if this is causing you to be unable to send money, first check your PayPal balance and bank and card balance. If you have a balance in your funding source, you can transfer it to your PayPal wallet first and use the balance to send it to another account on PayPal. 

Alternatively, you can also choose the card or bank as the funding source when sending money on PayPal, where PayPal will directly withdraw the amount from the card or bank instead of your PayPal wallet.

2. You Have Not Verified Your PayPal Account

PayPal must adhere to some strict laws regulating the financial world. From KYC (Know Your Customer) to cross-country transaction laws, PayPal is expected to follow them when doing any transaction or letting a user do the transaction.

So, if you have not verified your PayPal account, you may not be able to use many of the features and may encounter issues like being unable to spend money on some occasions or some users.

So, first, verify your PayPal account to not let PayPal restrict you from sending money to other users.

3. PayPal Account Is Limited

Account limitation is another cause why you cannot send money on PayPal. If you have a history of violating PayPal guidelines, PayPal will limit your account in some aspects. Either they will limit your monthly transactions or simply bar you from doing any transactions. So, account limitation may also have caused you the error. 

You can check if there is any limitation on your account by simply going to the notification and checking if there is any notification about this limitation from PayPal. Also, you can send a message to PayPal support from the message center and ask if there is any limitation on your account.

To solve this problem, you can simply verify your account and contact PayPal support from the Message center, asking them how you can lift any other limitation from your account. You may have to provide proof of your address and identity in most cases using government-issued documents.

4. Account Transfer Limit Crossed

When you create your PayPal account, and if the account is not verified, there is a default limitation on your account of $500. Sometimes, you are barred from receiving funds, or a notification to the sender from PayPal will appear on the payer’s screen.

Even if your PayPal account is verified, there are more limitations on sending money. For example, if your account is only connected to a debit or credit card, the limitations placed on your account are as below:

  • A maximum of $5,000 per transaction.
  • A maximum of $5,000 per day.
  • A maximum of $5,000 per week.
  • A maximum of $15,000 per month.

If you have connected a bank account to your PayPal, the limitation is a flat $25000 per transaction.

When you cross these limits, the message below will be displayed.

“You’re transferring more than your weekly limit allows. Try a smaller amount.”

And if you cross these transaction limits, you may not be able to send money on PayPal. So, check if you have crossed these limits and if that is causing the error. If you have crossed the limit of the transaction, we are afraid you cannot do anything about it besides waiting for next week or the next day till the limit is refreshed.

5. Your Debit/Credit Cards Are Not Eligible For Instant Transfers

Sometimes, the debit and credit cards you use are not eligible for Instant transfers. When a card is not eligible for instant transfers, PayPal cannot withdraw the amount to send the money instantly, and you will be faced with the error.

You can check with the card company if the card you are using is eligible for instant transfers or not. Simply contact the card company or issuer and tell them you want to use it on PayPal, and maybe they will be able to provide you with another card for use.

Alternatively, you can connect another card eligible for instant transfers to go ahead with the transaction. In any case, it is much better to transfer the amount to your PayPal wallet and then do the transaction using the PayPal wallet fund when needed. This way, you do not have to worry about getting errors when you hastily send money to someone urgently or in case of emergency.

6. You Have Not Linked Bank Accounts

You will also be unable to send money if you do not have a funding source connected to your account. Simply load funds to your PayPal account using a Bank account using the instant or standard method.

The highest verification you can do is to verify your account and connect it to your Bank account. If you have done both, you will have full access to your bank account fund from PayPal and the highest transaction limit.

So, connect your bank account to PayPal to be able to send money on PayPal with ease.

Facing issues while linking bank account, try this guide.

7. The Recipient’s PayPal Account Has Issues

In some cases, the recipient may also not be eligible for receiving funds. Either their account is limited, or the country’s financial laws bar them from receiving money on their PayPal account. 

For example, in Nepal, you cannot link a bank account to your PayPal account and can only send money using certain cards, which also do not let direct deposits. In this case, the error message you will get is shown in the image below.

Why Can't I Send Money On PayPal

8. Contact Paypal Support

If you applied the above-mentioned solution and still cannot solve the issue of ‘Why can’t I send money on PayPal?’, your best solution will be to contact PayPal customer support. You can do so by simply following the steps below.

Step 1: Open PayPal and log into your account.

Step 2: Click on the profile icon on the top. It also depends on which version of PayPal you are using. Just find the profile icon and click it.

Step 3: Click on Message center, which will open a chat window where you can chat with a PayPal bot. 

Step 4: Send a message to the bot saying ‘Talk to a representative’ and detail your queries in the message box to send to PayPal support. After some time, you will receive a reply from a representative.

Frequently Asked Questions (FAQs)

Some frequently asked questions related to the topic Why can’t I send money on PayPal are taken from the internet.

What Is The Minimum Amount To Transfer From PayPal To Bank Account?

The minimum amount you can transfer from PayPal to your bank account is $0.01, which is very low for any individual to send.

1. How Do I Increase My PayPal Limit?

The best way to increase your PayPal limit is to verify your account fully with original documents and connect a bank account as a funding source. It will unlock the highest limit, and you can do up to $25000 per transaction in PayPal.

2. Does PayPal Report To The IRS?

Much like any other Online Payment service, PayPal has to strictly follow the Internal Revenue Code (IRC) Section 6050W and report any amount received after the sale of goods and services by any account. But if you are just doing personal transactions from PayPal, then PayPal will not report it to the IRS.


Therefore, the answer to your question of ‘Why can’t I send money on PayPal?’ is provided in detail. All the possible causes and the solution for every cause is detailed. You can go on and try all the solutions, and most of the time, you will find the exact cause of the problem and will be able to solve it quickly without contacting PayPal support. 

But if you cannot solve the problem, we have also provided the easiest way to contact PayPal support. Hope we answered your query and provided you with valuable information.

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