How do international students in the US avoid PayPal holds or freezes?

How international students avoid PayPal holds or freezes

Most freezes happen when PayPal thinks an account is not fully verified or is being used in a way that looks unusual. The safest approach is simple: verify identity early, use one stable address and phone number, connect a real US bank account, avoid VPNs, and keep transactions normal and traceable. Even if all requirements are already met, doing the steps below keeps the account stable.

Detailed guidance

• Use one legal name only: The name on your PayPal must match your passport and your US bank account. Mismatched names trigger reviews.
• Add and confirm a US phone number: PayPal uses it for identity checks. Avoid using temporary internet numbers; they often fail verification.
• Use a stable US address: Use your dorm or apartment address, not a hotel or friend’s address. Changing addresses often can flag the account.
• Verify identity as soon as possible: Upload your passport and your I‑20 or DS‑2019 if asked. These documents prove you are legally in the US and help avoid future holds.
• Connect a real US bank account: Banks like Chase, Bank of America, and credit unions work smoothly. Confirm the two small deposits PayPal sends; this proves the account belongs to you.
• Avoid VPNs: Logging in from different countries within hours can trigger security freezes. If you must use a VPN, keep it on a US server consistently.
• Keep transactions normal and clear: If receiving money, add simple notes like “rent share” or “textbooks.” Large amounts with no explanation look suspicious.
• Avoid sudden big transfers: Build history slowly. For example, do not receive several thousand dollars on a new account; do smaller transfers first.
• Do not use PayPal to receive payment for work without authorization: PayPal reports unusual income patterns. Unauthorized work can trigger both PayPal and immigration concerns.
• If a hold happens: Upload any document they request quickly. Holds usually clear once PayPal confirms identity, address, and bank ownership.