You are talking about something entirely different than myself or the OP. OP, and this discussion is about PayPal the credit card processor (their main busines

You are talking about something entirely different than myself or the OP. OP, and this discussion is about PayPal the credit card processor (their main business), not PayPal the p2p payments things a la Venmo. For p2p payments, you do need to verify the account, otherwise it will be locked. They go out of their way to tell you this, so if you refuse to do so, do not be surprised when your account is limited or locked. > It takes half a year for the new account to become more trusted and be less flagged. This is entirely made up. Simply verify you account. They offer several ways. They have to verify who they are allowing to receive/send money for very obvious reasons. Fun fact, people love Venmo and hate PayPal - yet few realize they're actually the same company.