I recently received a substantial donation from Ko-fi. Most people dont' earn that much in five or six months Paypal put a hold on the payment and they wanted proof of invoice or of goods sold or goods received before they paid it. They also give me the option to returnt the money to the person who donated it. So I immediately told my donor, and he upped the payment (enough to live on for a year - for me) and paid me through STRIPE. Stripe did not ask me for proof of goods sold. it's very simple. The payment comes through Ko-fi which is a site for donations. It would be the same for patreon or gofundme, etc. It was obvious it was a donation. As far as I can tell, I do not have a business account, and I do not want a business account, but I cannot figure out why Paypal thinks I have sold goods. Clearly I won't be routing furture payments through paypal, and in fact, after I've closed an account on one site (I'm a writer), all future money will either be paid directly into my bank account or through Stripe. In addition, paypal gave me no option to contact their apartment other than through a phone call (I loathe speaking to people on the phone) so I chose not to do so. Also, I have a prepaid phone (I make about two calls a month, and nobody knows my phone number except bank accounts and government organisations) so there is no money on it. So I don't like to call people. Also, I was shocked at the fee that Paypal sent me. It would have been cheaper for my donor to route it through my bank. And I will take that option in future. It would also have been faster with no questions asked. Question: 1. What does one do when a large donation is received and paypal wants an invoice? 2. How do I check if I have a business account or not? 3. Are fees cheaper / more expensive depending on business, donations, etc?
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