Why are Paypal now putting a hold on instantly available money after many years business with them

[props2]

Why are Paypal now putting a hold on our instantly available money,  after many years business with them. They have emailed to say we are about to hit some newly imposed monthly limit and after that they keep our money for 21 days. This is after years of business with them and never experiencing this before. The months total is not even high. It is 13% lower than this month last year, and about 60% lower than revenue from other months such as October, and they have never suggested this previously. We also have no customer issues.

[sharpiemarker]

@props2 

Why is my payment on hold or unavailable?

The other reasons aside from new seller can occur to even established accounts.

See Holds, Limitations, and Reserves for additional information.

“Holds

A hold is an action that PayPal may take under certain circumstances either at the transaction level or the account level. When PayPal places a hold on a payment amount, the money is not available to either the sender or the recipient. PayPal reviews many factors before placing a hold on a payment, including: account tenure, transaction activity, business type, past customer disputes, and overall customer satisfaction. Some common situations where PayPal will hold payments include where we have reason to believe that:

• Transactions are higher risk, this can be where the transaction involves the sale of goods or services in a high risk category, or other facts known to us typically resulting in an increased number of chargebacks, other claims or disputes or to be often involved in fraud or illegal activity.
• There is a sudden and abnormal change in a PayPal account holder's selling activity including an increase in the number of chargebacks, reversals, or buyer complaints received in relation to such PayPal account.
• Any PayPal account is being used in relation to restricted activities.
• A PayPal account involved in the transaction may have been compromised, or that stolen financial details (bank or credit card) are used for the payment, or otherwise a transaction has not been properly authorised.
• A user is trying to send or withdraw funds they received fraudulently.
• A user has not provided sufficient Information to us to enable us to verify their identity or the identity of their business and/or the user has a limited trading history with PayPal.
• A payment sent to you as a seller is challenged as a payment that should be invalidated and reversed.
• Your buyer files a chargeback, reversal or PayPal Buyer Protection claim on a payment you received.
• Your buyer files a claim under a marketplace's resolution process.
• There is a risk of reversal of funds in your account to your funding source.
• There is a risk of liability (a non-exhaustive list of examples of such risk is set out in the section Actions We May Take If You Engage In Any Restricted Activities above).”

Contact customer services for further explanation or assistance if needed:

https://www.paypal.com/uk/smarthelp/contact-us      

Scroll down to click “Message Us” or “Call Us” option on the bottom.

Or reach out to PayPal at Facebook or Twitter:    

PayPal on Facebook

PayPal on Twitter

[props2]

Thank you for the reply, appreciated. I'd read the standard Paypal explanation but none of that applies at all, as no change in risk, in the products we sell, in any risk activity, no customer issues or chargebacks. No risks or abnormal activity whatsoever. This is why we can't understand putting a hold on money over a certain amount, and it is compounded by the fact sales are down massively on busier times of the year, when a lot more money goes through Paypal for us, and we're significantly down on this time last year too. This is out of the blue and for no rational explanation, and certainly nothing that fits the Paypal standard default reply, and it's coming at a time when things have been difficult and when all revenue is needed there and then at the time - not with Paypal thinking they have a right to hold on to an established, safe, merchants money for 21 days.