Struggling to verify your PayPal account without connecting a bank account? Don’t worry – while PayPal prefers bank verification, there are still several workable alternatives available in 2016. Let me walk you through your options.
Using a Prepaid Card for Verification
One of the simplest methods is using a prepaid debit card. You can purchase these at most convenience stores or supermarkets. Look for cards that specifically state they’re compatible with PayPal – not all prepaid cards will work. Once you have your card, simply add it to your PayPal account like you would a regular debit card.
Credit Card Verification Method
If you have a credit card, this can be an excellent verification option. PayPal will make two small charges to your card (usually less than $2 total). You’ll need to check your credit card statement for these amounts and enter them in PayPal to confirm it’s really your card. The charges are typically refunded once verification is complete.
Important: Identity Verification
Remember that PayPal may still ask for additional identity verification, such as:
– A valid government-issued ID
– Proof of address (utility bill or similar document)
– Social Security number (for US users)
Using PayPal’s Expanded Use Program
Here’s something many people don’t know about: PayPal’s Expanded Use program can help you verify your account through alternative methods. You’ll need to:
1. Provide additional personal information
2. Complete a questionnaire
3. Potentially submit additional documentation
Limitations to Consider
I should mention that accounts verified without a bank account may have some restrictions:
– Lower sending and receiving limits
– Longer hold times on received funds
– Some features might be unavailable
Virtual Bank Account Options
Here’s a clever workaround I’ve seen work well: consider using virtual bank accounts from services like Simple or Chime. These online-only banks often have easier signup processes and can link to PayPal just like traditional bank accounts.
Final Thoughts
While verifying PayPal without a bank account is possible, I always recommend eventually linking a bank account if you can – it simply provides the most seamless experience. However, these alternatives can get you started and help you use most of PayPal’s core features while you work toward that goal.
Remember, PayPal’s verification requirements may vary by country and can change over time. If one method doesn’t work for you, try another, and don’t hesitate to contact PayPal’s support team for guidance specific to your situation. They’re often more helpful than people expect, especially if you explain your circumstances clearly.
