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?