if you do a steady business from your shop or website or even ebay,you are better off with your ownmerchant account,if ebay,then be sure it will work with any three gateways on Ebay. Paypal has many weekend hobby sellers,thats why they have holds,also Ebay does as well. you are supposed t o have some working capital to foot some bills like shipping,insurance,packaging,ebay fees etc. if ebay,ask them to release some fund for shipping,I believe it is 15 for domestic and 35 for overseas.
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