We've been hearing quite a bit lately about buyers who go to check their PayPal accounts or attempt to withdraw funds from them, only to find that they don't have access to the entire amount. What has probably happened is that you've reached the spending limit with the service and now have to decide if you want to attach a credit card or bank account to your PayPal account.
PayPal gives you a $250 spending limit with their service (some users are grandfathered into a $500 limit). That means if you exceed that threshold in payments over a 6-month period, you will have to upgrade your PayPal account if you wish to withdraw money or pay someone using PayPal.
You can upgrade by attaching a credit card to your PayPal account. You cannot use more than one PayPal account per credit card. Or you can verify your account by attaching a Bank account to your PayPal account. This allows you to do electronic transfers and also gives you a higher level of security. More security details are available at http://www.paypal.com/cgi-bin/webscr?cmd=p/gen/protections-buyer-outside
If you find that you're unable to access all of your PayPal funds and you don't want to use your bank account or credit card, you can contact PayPal customer service by emailing them at email@example.com or by calling their 24-hour customer service number at 888-221-1161. They will send you a street address confirmation via regular mail. This will contain a 20-digit code, which you must enter into the appropriate box on the PayPal site. Using this method, it is likely that PayPal will raise your limit without giving them credit card or bank account information. My account limit was raised from $500 to $1,000 using this method.
NOTE: To leave a rating or to review PayPal in the Online Yellow Pages directory, go to http://www.auctionbytes.com/bin/bizdirectory/biz-dir-search.pl?query=966206040