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. Aneesh Makam said on February 2, 2019 at 11:18 pm

    Can i verify my paypal account without either of the two?

  2. nana said on March 22, 2016 at 6:43 pm

    why i just can verify my paypal account with credit card but not bank account?

  3. dsila said on February 2, 2012 at 8:04 am

    I did, but still have no indication on my statement. I have asked help desk entropay and they said they havent got anything from paypal. Any advice? Thank you…..

  4. Learntoearnmoney said on January 2, 2012 at 11:14 am

    At first I was unable to get my PayPal verified with creditcard but after few research I used Entropay.
    Entroypay has helped me a lot till now in lot of payments.
    I got my PayPal verified. I have also written a review on entropay Card you can check it here:-
    Hope it helps….. :-)

    1. dsila said on February 2, 2012 at 7:04 am

      I have registered new paypal account and use entropay. Try to click get verified by adding my entropay card. Its been 10 days my account cannot be used and cannot be verified. Please help how i can get the paypal CODE? Thank you

      1. Learntoearnmoney said on February 2, 2012 at 7:58 am

        Login to your entropay account and check the credit card statement. There you will see a balance deducted by paypal in the statement…That is the code which you have to input in the PayPal to get verified your creditcard.


  5. Eric Stauffer said on December 13, 2011 at 11:03 pm

    I think you are right, that you cannot withdrawal money to a credit card using PayPal. However, using a virtual credit card to get it setup would allow for one way deals when purchasing things. (Although I would imagine the virtual credit card would provide that as well).

    You could always send it to a trusted friend with a linked account for withdrawal, but that adds a few extra steps and you really need to trust your friend!

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