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My Funds are hold


My Funds are hold



Im new to PayPal, i have opened a business bank account and perhaps received a payment from customer.  


The payment is on hold and I have no clue why, I mean there is no description at all. IT just says payment on hold. 


The payment was credited on 19th of Nov, Please help me understand. 


moreover if I want to cancel my account and refund the payment back to my customer, what is the process.