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reserve, business or personal account


reserve, business or personal account

I make tshirts with heat transfer vinyl.  I sell them to friends and family.  I have been using a paypal business account that I recently set up and I chose to make it a business account so my invoices would look more formal.  We're talking I've used paypal about 5x and maybe $150 was collected through paypal invoices.  I have NEVER had a returned payment or ANY problem with the account.  Suddenly today I rec'd a notice that they are going to keep 100% of my money for 30 days!!!  Did I make a mistake in opening a "business" paypal rather than a personal paypal?  If I close my business and open up a personal account, send my invoices through that, will that help me to avoid the reserve issue?