How to Verify a PayPal Account in 2020 – Step by Step Guide

For a PayPal account that is not yet verified, you will experience some limitations like limited withdrawal to your bank account. And this is such a bummer especially when you are running a business using the platform. It is essential, therefore, to know how to verify a PayPal account. But before we do, make sure to check out more guides on Money Brighter.

how to verify paypal

But did you know that verifying a PayPal account is easier than you think? As a matter of fact, if you have a bank account, you should be verified immediately. Just as soon as you follow the instructions, PayPal will lift all limitations when using PayPal.

Did you know that there are several types of PayPal accounts? Check out our guides on premier accounts, joint accounts, and PayPal for non-profits.

Why Verify PayPal Account?

PayPal is not really strict when you sign up for an account. You may use it as soon as it is activated and without a fuss. You can easily deposit funds on the account without limit and spend the money right away.

Here is where the importance of verifying PayPal account comes in. If a PayPal account is unverified, you will have limited access to PayPal features. These limitations include transfer to other PayPal accounts and the amount of money you can withdraw to your bank account.

Besides, if you verify PayPal, you will make the platform a lot safer. This is because you are helping the company only allow real people to use the feature. Unverified PayPal accounts can do spammy things, commit fraud, or launder money. Hence, they are given only limited access to their money.

When dealing with a verified PayPal account, you will feel much confident that you are dealing with a person that made an effort to prove that they are who they say they are. And with confidence, both sides will be more willing to do business.

Learn how to do more with our other guides. Make sure to check out our write-ups on how to activate card, receive money, withdraw money, and delete PayPal account.

How to Verify PayPal Account

As mentioned earlier, it is easy to verify a PayPal account. All you need is follow some simple step-by-step guide, and your account will unlock with all its features. Here is how it works.

Connecting a bank account or credit card to paypal

  1. Assuming that you already have signed up for a PayPal account. Now you should connect a bank account or credit card. To do this, log in your PayPal account on a web browser.
    Log In
  2. On the main dashboard of your account, you should see a “Add a bank account” button under your profile summary, click on that.
  3. Or you can click the Wallet tab on top of your PayPal account.
  4. On the next page, click on the “Link a card” button.
    Link A Card
  5. Then fill-up the form. Choose the card type that you want to enroll.
  6. It could be a bank card, MasterCard, or a credit card.
  7. Type in the card number, expiration date, and whatnots next to it.
  8. Click on the Save button when you are done.
  9. That’s it. You have now linked your card to your PayPal account.


You can always edit or remove the card that you linked to your PayPal account. Also, you can add as many cards as you want on your PayPal account so you can have more funds to access in case you are short on one card.

Verify PayPal Account

You can only do this procedure if you have already added a card on your PayPal account. If not, go back up and do the step-by-step guide on how to add a card on a PayPal account. If you are finished with that part, let’s continue on the verification of your PayPal account.


Now, you will have to keep in mind that in order for PayPal to confirm the existence of the card, it will deduct a certain amount from the card’s current funds. The amount that will be deducted will be around $1.95 or around $2.00 depending on the current dollar exchange.

Don’t worry because, after the confirmation, PayPal will reimburse the money and pay back the deducted amount as soon as possible. Typically, the deducted amount should be returned to you after 24 hours or up to one week.

Also, when looking for the 4-digit code that PayPal will require to verify your account, it should start with the “PP” prefix followed by the 4-digit code. Pay special attention to this detail. Otherwise, you could end up repeating the same process all over again. And that means you could end up not taking back the first deduction that PayPal made on the first try.


If you have done this whole process properly, you should be able to enjoy all the benefits and features of PayPal. Enjoy unlimited deposits and unrestricted withdrawal from PayPal to your bank account.

Aside from that, you can also enjoy some perks from PayPal’s affiliates that require only verified accounts. Trust me, there are tons of benefits waiting for you when you are finally a verified user.

So how was your PayPal verification process? Did you encounter some problems? If so, what are those? Tell us in the comment section below. We would love to know all those issues so that we could help out other people in this community.

Feel free also to leave suggestions and some burning questions you might have with today’s topic. We will do our best to answer all of your queries as soon as we can.

2 thoughts on “How to Verify a PayPal Account in 2020 – Step by Step Guide”

  1. Its been month that I have been using paypal to received my salary. I have my 2 bank accounts linked to it. But I was surprise that, only last week I received an email stating to verify my identity and address. They should have it required upon creating the account to make sure that everyone using their platform is genuine and not fraud.

  2. I linked my bank account to it but my account is still not verified. I applied for a transcription job online and when they checked, they said that my account is still not verified. What seems to be the problem?


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