Why Is Paypal So Slow? (10 Reasons Why)

A popular financial technology company that helps people send and receive money through their app. However, sometimes the internet is very slow or you can experience bugs that cause things to glitch of slow down.

PayPal really hates you, and is trying to get you to pay them money for something, and since you don’t have much money, they want you to pay them a lot of money.

Why Is PayPal So Slow In 2022?

If you experience slow speeds with PayPal, check your computer and your internet connection before contacting PayPal customer support. You can also verify your payments and payment methods. You can also sign up for email notifications from PayPal and check with the bank if the bank has approved your transactions.

If you would like know more about why you’re having these issues with PayPal, keep reading!

1. PayPal’s Website Might be Having Issues

PayPal is a financial technology company that works with online transactions, and sadly, sometimes the internet does not work.

If you are having issues with PayPal and are not sure if it is working, check that it is working.

You can check payment functions on PayPal by signing into your PayPal account and going to “Status”. This page will tell you if any specific functions are not working, or if they are all having issues.

In addition to that, if you think there might be a problem with the PayPal website itself, you can check the connection yourself.

2. You Have Not Properly Confirmed Your Account

If you’re having trouble setting up or receiving payments through PayPal, it may be because your account is not properly set up.

PayPal confirms your identity so that you can use it on the PayPal platform. PayPal can verify that you are a person and not a machine. It can also verify that the bank account you chose is yours.

When selling, you must set up the PayPal account and enter your username, password, merchant account number, and tax ID.

The error message below is displayed when a buyer or a seller attempts to make a purchase without properly setting up each of these items.

If you are a new customer, here are the directions for how to confirm your identity (CIP), your bank account, and your credit or debit card.

3. PayPal Placed a Hold on Your Transaction

If your account is having some issues, PayPal’s fraud team may temporarily place a hold on the transaction. You’ll receive an email notification when PayPal has enough information to decide whether the transaction should be processed or not. Some transactions might have to wait a few days for the hold to clear.

* Your card may have been rejected due to insufficient funds.
* You may be charged a hold fee.
* If your card was compromised, you may be charged a fraud fee.
* Check your statement for further information.

You can contact your customer service team directly.
If you have your PayPal account number, you can release the hold by contacting them directly.
Your funds should be released as soon as possible.

4. PayPal May Have Placed a Lock or Limitations on Your Account

It will sometimes put temporary limits on accounts, and that can stop or slow the functions on your account.

You may have been suspended
Your account may be inactive or if you have multiple accounts, your accounts are linked
Your account has been flagged by PayPal

Please contact PayPal with any questions you have associated with your account.

Go to the security settings and remove the limit.

If your request has been denied due to fraud, there may be a delay in lifting the limits.
If your request has been denied due to a complaint or negative feedback on your account, there may be a longer delay.

You will hear from a PayPal representative once the details have been reviewed.

You have received the following email from PayPal. You have been chosen for a pre-screening.

In addition, here are some tips to help if another company has requested documents to remove your limits on your account.

5. Refunds Are Sent by the Merchant You Paid

PayPal does not issue “refunds”. Rather, they will charge the customer “reversal fees” if they cancel a transaction.

Refund return rates can be different if the transaction was processed through one of the payment methods that have a higher refund rate.

When you submit your refund request, PayPal may take up to 24 hours to process your request and post a refund to your account.

6. PayPal Uses the ACH System

EFT stands for Electronic Funds Transfer. An EFT is a business method where funds are transferred from one bank account to another in either direction.

ACH process takes longer, because the transactions are processed through the federal reserve.
Once you get your final statement from Bank of America, you might just as well have used your check card, because it takes forever for all those ACH transaction to clear.
You’re probably never going to use them again.

Although the process itself might take a few days, the reason why it takes so long are the fees that the Federal Reserve charges banks like Chase for processing the transfers.

7. It’s a Holiday or the Weekend 

If you are not sure how much time you have left for a refund, transferring money, or any other process that takes time to complete, each processing period says “business” days (ex. “3-5 business days”).

Unfortunately, weekends and holidays do not count as “business” days. The week days count as business days for this purpose.

It’s always possible to make an exception, but if there are many requests at once, your server might be overwhelmed and you’ll get a timeout message anyway.
You may use a batch request to avoid this waiting period.

8. You Don’t Have Enough Money in Your Account for the Transaction

Sometimes when you make a payment, your account may not have enough money to process the payment.

PayPal will be the only company that can process payments to your account, but they won’t talk to you directly. They’ll communicate with you through their own network.

So, basically, PayPal will attempt to process your payment on their own network, and if it can’t, then they just won’t make the payment. There’s nothing you can do about this other than accept that it’s their process and not yours.

Go to your paypal account and login.
Click on the payment method which you use to pay for your products.
Here click on the “Update or change your payment method”.

Go to the account you want to change, click on the “Account Information” tab, and then to the “Payment Methods” tab.

In this case, the customer attempted to return a $400 bottle of expensive oil to a company called “OilXpress”.

OilXpress refused to accept the bottle back but instead they used the bottle (which was already cracked) to start a fire. The fire destroyed the house where they lived and the surrounding neighborhood.

9. Your Payment Method Might Not be Working

If your payment will not process, you will have to contact the payment processor you have used. Also, if the payment processor has given you any error messages, be sure to check them!

Sometimes credit or debit cards don’t work, which could be because the card information is wrong, there isn’t enough money on it, the expiration date is wrong, or a similar issue. If you’re not sure what the problem is, try using another card.

If the issue was with your credit card. Try using a different credit card (if you have more than one).
If the issue was with the service the shop was providing. Try using an alternate service.
If the card number is correct but the amount is incorrect. Try using another card (if you have more than one).

10. Your Bank May Not Have Approved the Charges

Another reason for the failure to process your payment could be that the bank that the person you bought your product from is having a glitch.

If your money is not being accepted by your bank, you will need to contact it directly to figure out how to get it back.

A bank associate can give you more information on your policy, and you can also let them know that you are the one making the transaction.

– You can go for the free trial, get one month’s credit, and find out how it works.
– You can also ask your friend or family to help you transfer the money.
– Or, you can use our referral link and earn $25.


I have had a couple of issues with PayPal, they never tell me the reason, I guess they are like “We don’t want to tell you, we don’t know and we won’t tell anyone”.

If your PayPal is slow or isn’t working, check the status on their website, your account and payment methods, and your bank.

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About the author

I have always been a shopaholic. A lot of times my questions went unanswered when it came to retail questions, so I started Talk Radio News. - Caitlyn Johnson

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