How long does PayPal hold money after the store receives payment?

Topic summary

Immediate Availability with Conditions:
PayPal typically makes funds available in your account immediately after a customer payment is processed. However, actual withdrawal access may be restricted based on several factors.

Common Hold Scenarios:

  • New or limited-history sellers: Funds may be held up to 21 days, released earlier with positive buyer feedback or 3 days after confirmed delivery
  • High-risk transactions: Up to 21-day holds for high-value items or risky sales
  • Withdrawal limits: Newer accounts may see full balance but face daily withdrawal caps (e.g., receive $1000 but only withdraw $500)
  • Disputes/chargebacks: Funds frozen until resolution
  • Reserve requirements: Percentage of payments held for specified periods

Improving Access:
Holds typically decrease as your store builds positive sales history and fulfillment records. You can contact PayPal support to request higher limits.

Alternative Solutions:
Consider Shopify Payments (if available in your country) to eliminate transaction fees, or bank transfer solutions for faster, hold-free payouts.

Summarized with AI on October 28. AI used: claude-sonnet-4-5-20250929.

Hello again Lidia,

We already answered this in your other thread, so I’m just going to link to it here too, in case any other merchants find this thread and have the same question:

https://community.shopify.com/c/shopify-discussions/can-i-sell-in-the-usa-from-the-republic-of-moldova/m-p/2323322#M402117

Cheers,

Stephen

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