Can You Send And Receive Money With An Unverified PayPal Account In Ghana?

I have been a victim like those out there who keep wondering if they can send and receive money with an unverified PayPal account in Ghana without facing any problem from PayPal.

Though I don’t want to verify my PayPal account using the bank account method, but instead, I verified it using credit card, the Visa prepaid card I got from UBA (United Bank For Africa) which is the UBA Africard and you can also check here on how to get UBA Africard in Ghana and use it to verify your PayPal account in Ghana.

Can I send and receive payment through PayPal without linking my bank account or Visa card to PayPal?

You can send-out money from your PayPal account and receive-in money into your PayPal account — but there are limits on the amount you can send and receive until you verify it using Visa card or bank account.

Can you send and receive money with an unverified PayPal account in Ghana?

Yes, using a PayPal account in Ghana is just like using a normal PayPal account with same features and you can send and receive money using your unverified PayPal account in Ghana. The only thing is, you are limited to the amount of funds you can send and receive using your PayPal account in Ghana.

What are the limitations if you use an unverified PayPal account in Ghana?

Using an unverified PayPal account in Ghana, it limits you from sending a large sum of amounts and limits you from receiving large funds from others as well.

Your unverified PayPal account in Ghana can get limited for receiving a kind of huge amount if not verified.

Using PayPal Without a Bank Account

If you don’t have a bank account attached to your PayPal account, and you’d like to get your money out, you can either “send” or “spend” whatever money someone has sent you.

“Sending Money” generally means person to person or person to business money transfers.

Spending means buying something via a website, app, account payment, debit card, etc. Whatever you have in your balance will get spent first, and any remainder will be deducted from your bank account or Visa prepaid card.

Outside of the US, in many markets you can also withdraw funds to a credit card. This is called an “original credit” by Visa and they don’t allow it in the US, I believe.

Check here: How To Get UBA AfriCard In Ghana – Best Way To Apply For This Card

The Verification Process

“Verification” means that you have added a bank account to your PayPal account and confirmed that you control it – through either comparing “random deposits” into the bank account, by logging in to the bank account from within PayPal, or by getting a one time code that we can send to the Transaction History of your bank account, which you would then pull from your statement and give back to us.

Un-verified accounts will eventually face risk limits on sending and receiving depending on the country and usage which can be amount (usually between $1000 and $4000 USD), number of transactions, or both.

You can even send money via your PayPal account without being verified in Ghana, and also receive money into your PayPal account without verifying it in Ghana.

PayPal needs at least a bank account, credit card, debit card or prepaid visa card that is linked to your account and can be used as a backup funding source for your PayPal account.

For PayPal users in US, PayPal offers a PayPal debit card that makes it easy to withdraw money from ATM. You can apply for PayPal Debit Card here if you live in US.

Why would you verify your PayPal account?

Having a bank account is not required to receive funds, send money (or spend money) – you can do all three with an unverified account up to a certain point — but it is very recommended that you verify your PayPal account in Ghana since a verified PayPal account has so many benefits.

Benefits of Verified PayPal account in Ghana

Here are some of the benefits of using a verified PayPal account in Ghana.

Lift limits on Sending & Withdrawal: PayPal will lift your account limits to send and withdraw money.
Pay Without PayPal balance: You’ll be able to pay with PayPal even if you don’t have money in your PayPal balance.
Peace of mind: Other PayPal members/Stores/Businesses know that being verified means that you’ve given extra information about your identity.

Can I link Bank Account or Visa card that doesn’t match my name on the account?

Yes, always keep in mind that you can link a bank account or Visa prepaid card to your PayPal account that doesn’t have to match your name on the account. There were instances I linked a UBA Visa prapiad Card that belongs to a friend but it works (linked) in my PayPal.

You can also contact me for getting a verified PayPal account in Ghana without changing your IP address on: 0542659477