How To Verify Your PayPal Account Without A Credit Card

Martin Brinkmann
Dec 12, 2011
Updated • May 18, 2014

PayPal is a popular payment processing system that is used by millions to make purchases and transactions on the Internet. Much of PayPal's appeal stems from the fact that its system supports user to user transactions, and that those transactions are really easy to carry out. In fact, all you need for that is the user's email address.

New PayPal accounts are limited automatically until they are verified. Limitations block certain site features and limit the amount of money that PayPal users can transfer to other PayPal users or withdraw to a bank account.

Accounts can be verified either by adding and confirming a bank account or credit card. Both verification options may not be available in all countries. (You can use this page on the PayPal site for additional information on the process for select countries)

To verify a PayPal account click on the Get Verified link underneath the welcome message on the start page.

paypal get verified

You then have the option to verify the PayPal account either by Credit Card or by bank account.

Verify PayPal by bank account

If you select the bank account verification option you are asked to enter the account information in the verification form.

PayPal will make two small payments to the account in the next business days which you need to confirm once they are listed on the account statement. Just visit the PayPal website again to complete the verification by entering the amounts to confirm that you have access to the account.

Verify PayPal by credit card

PayPal will withdraw a small amount of money from the credit card as part of the card's verification. The company will refund the money to the PayPal account after the verification. Verifying by credit card is usually faster than verifying by bank account as it is an automated process.

Verify PayPal by virtual credit card

What can you do if you cannot verify by bank account or credit card? You could create a virtual credit card and use that card to get the account verified. Services like EntroPay offer virtual credit cards. This comes as a price though, as many services require you to deposit money into the virtual credit card account and charge you for that.

As far as EntroPay is concerned; The service does not charge for the account or the creation of the virtual Visa card. It does however charge for loading a credit card, exchange fees and money that's transferred to the card.

Please note that EntroPay accounts need to be verified as well.

Closing Words

It also needs to be noted that the initial account limitation is different from other PayPal account limitations. There are a number of reasons why PayPal limits account, a common one being unusual account activity.

Using a virtual credit card to verify an account should work for users from all over the world. Please note that you may still run into troubles when withdrawing money from PayPal (To be honest, I'm not 100% certain that you can withdraw money to a credit card. You may need a bank account for that after all.).

The credit card is on the other hand useful to get the account verified and to fund money. Plus, you can limit automatic withdrawals to a specific sum of money.

Have you had troubles getting your PayPal account verified? Let me know in the comments.

How To Verify Your PayPal Account Without A Credit Card
Article Name
How To Verify Your PayPal Account Without A Credit Card
A guide explaining how to verify a PayPal account to remove its limitations and make it a full account.

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  1. ilev said on August 4, 2012 at 7:53 pm

    Doesn’t Windows 8 know that www. or http:// are passe ?

    1. Martin Brinkmann said on August 4, 2012 at 7:57 pm

      Well it is a bit difficulty to distinguish between domains and files for instance.

    2. Leonidas Burton said on September 4, 2023 at 4:51 am

      I know a service made by google that is similar to Google bookmarks.

  2. VioletMoon said on August 16, 2023 at 5:26 pm

    @Ashwin–Thankful you delighted my comment; who knows how many “gamers” would have disagreed!

  3. Karl said on August 17, 2023 at 10:36 pm


    The comments section under this very article (3 comments) is identical to the comments section found under the following article:

    Not sure what the issue is, but have seen this issue under some other articles recently but did not report it back then.

  4. Anonymous said on August 25, 2023 at 11:44 am

    Omg a badge!!!
    Some tangible reward lmao.

    It sucks that redditors are going to love the fuck out of it too.

  5. Scroogled said on August 25, 2023 at 10:57 pm

    With the cloud, there is no such thing as unlimited storage or privacy. Stop relying on these tech scums. Purchase your own hardware and develop your own solutions.

    1. lollmaoeven said on August 27, 2023 at 6:24 am

      This is a certified reddit cringe moment. Hilarious how the article’s author tries to dress it up like it’s anything more than a png for doing the reddit corporation’s moderation work for free (or for bribes from companies and political groups)

  6. El Duderino said on August 25, 2023 at 11:14 pm

    Almost al unlmited services have a real limit.

    And this comment is written on the dropbox article from August 25, 2023.

  7. John G. said on August 26, 2023 at 1:29 am

    First comment > @ilev said on August 4, 2012 at 7:53 pm

    For the God’s sake, fix the comments soon please! :[

  8. Kalmly said on August 26, 2023 at 4:42 pm

    Yes. Please. Fix the comments.

  9. Kim Schmidt said on September 3, 2023 at 3:42 pm

    With Google Chrome, it’s only been 1,500 for some time now.

    Anyone who wants to force me in such a way into buying something that I can get elsewhere for free will certainly never see a single dime from my side. I don’t even know how stupid their marketing department is to impose these limits on users instead of offering a valuable product to the paying faction. But they don’t. Even if you pay, you get something that is also available for free elsewhere.

    The algorithm has also become less and less savvy in terms of e.g. English/German translations. It used to be that the bot could sort of sense what you were trying to say and put it into different colloquialisms, which was even fun because it was like, “I know what you’re trying to say here, how about…” Now it’s in parts too stupid to translate the simplest sentences correctly, and the suggestions it makes are at times as moronic as those made by Google Translations.

    If this is a deep-learning AI that learns from users’ translations and the phrases they choose most often – which, by the way, is a valuable, moneys worthwhile contribution of every free user to this project: They invest their time and texts, thereby providing the necessary data for the AI to do the thing as nicely as they brag about it in the first place – alas, the more unprofessional users discovered the translator, the worse the language of this deep-learning bot has become, the greater the aggregate of linguistically illiterate users has become, and the worse the language of this deep-learning bot has become, as it now learns the drivel of every Tom, Dick and Harry out there, which is why I now get their Mickey Mouse language as suggestions: the inane language of people who can barely spell the alphabet, it seems.

    And as a thank you for our time and effort in helping them and their AI learn, they’ve lowered the limit from what was once 5,000 to now 1,500…? A big “fuck off” from here for that! Not a brass farthing from me for this attitude and behaviour, not in a hundred years.

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