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I have the exact same error 13122 message, I have an Egyptian PayPal account
after searching i found this:
"This transaction cannot be completed because it violates the PayPal User Agreement."
I'm working on woocommerce store locally
in sandbox I set both business and personal accounts in Egypt
if I set both sandbox accounts in USA, it works with no errors
I will try to put my test on a live server to see what will happen
I've already contacted PayPal technical support and they told me to try it in a live payment because the technicians can't investigate the error in the sandbox environment, I've already launched my store but still got no purchases yet .. so hopefully, when I get payment in my store PayPal won't let me down,
Kindly if you tested in live transactions let me know what happens if it works or the same problem remains