I used to have my bank account linked to PayPal. I unlinked it after they overdrew my bank account (because it turned out they withhold 15c of any international refund so my $600 balance was 15c short, so they went to my bank account for the entire $600 refund amount). Now if I need funds out I apply for a paper check. It's $1.80 fee but this is a lot less than an overdraft charge. Recently I invoiced someone (at their request, first time I had ever done this) for $180.54. I received payment and PayPal blocked it requiring I verify (either link my bank account of apply for a credit card). I elected to cancel the payment and made other payment arrangements with the buyer. Subsequent to this I have sold things on eBay and received the PayPal payments and not been required to verify. I am obviously concerned as I don't ever want to get into a situation where I have to cancel an eBay payment (because PayPal has decided I must verify to receive it) and risk negative feedback. So I attempted to obtain more information on the circumstances under which PayPal requires I verify, so I can avoid it. Contacting PayPal support was obviously it's usual maddening process. I initially telephoned and after 30 minutes of hold and being bounced between employees, all of whom knew nothing, I was hung up on. I tried messaging PayPal, four times and they keep just replying with a links to their terms of service etc which basically states they can hold up payments at any time for any reason. Does anyone here know anything about the circumstannces under which PayPal decides I must verify? I don't think the transaction amount in the $180.54 was the reason as I've sold items on eBay for over $400 without issue. Perhaps that I invoiced? I have also heard there may be monthly and lifetime limits?
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