Yes, there are a number of rationales that PayPal will cite when asked about pending/held money...and much of it is common sense and/or standard practice. However, when it comes to many situation, esp when (all relevant parties') sufficient funds are all already in PayPal...the bottom line is that PayPal (like other transactional service providers) will fudge things their way - slightly - to keep more funds in their bank for longer, to accumulate more interest. An no, I don't mean the interest they pay you...I'm talking about tiny TINY increment built up over zillions of transactions to equal big cash over time. The difference here is that youre often forced to use PayPal (eBay), AND more importantly, there cannot be issues of ensuring sufficient funds from one party in a transaction...when they both have said funds within their accounts on PayPal! PayPal (and EBay) love to try some sneaky...crap. Before they were even truly 2 separate entities, they forced you to bounce between their respective customer support dept's when settling issues involving interaction between your PayPal and eBay accounts *(they also hoped to keep as many people as possible from realizing that - as sellers at least - the same company, essentially, was taxing your business transactions TWICE, since eBay and PayPal each take their chunk from every sale...and PayPal, naturally, has always been your only option for transactions on ebay🤔).
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