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why is paypal keeping 20% of every transaction that comes through my paypal here account for 187 days?
Holds are temporary and they are due to the risks involved in your business. You have pledged no collateral to PayPal in case you have losses, so PayPal holds your funds for those loss risks.
You can find more information here: https://www.paypal.com/us/webapps/mpp/ua/useragreement-full#holds-limitations
It's all part of the PayPal user agreemen which all members accept.
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