Its down to how the payment was SENT to your account.
1. If they sent using money > goods / services option then paypal would see you as a seller and apply the new seller hold. They would also charge you a fee.
2. If they had sent using the send money > family / friends option then you would have had the payment instantly with no fee. (However that option is not available in every country).
Advice is voluntary. Kudos / Solution appreciated.
I am sorry to hear that you are having issues with a payment that is on hold. This link will walk you through the reasons that your payment can be held.
