PayPal & eBay are as bad as each other. A few months ago my eBay selling got limited even though all orders were successfully fulfilled and 100% positive feedback. The following day my linked PayPal got limited, again for no reason. PayPal have also started taking a fee out of monies that are refunded, so the seller is forking out of their own pocket when a buyer changes their mind or their is a problem with the order. It wouldn't surprise me at all if you are right with your theory. I've seen a lot of threads/forums for stealth accounts due to similar reasons, alas I won't be heading down that root...I will just take my business elsewhere. eBay I know have started taking a harsh spiral down (out of the game) as now instead of 100 free listings/month, they give you 1000 free listings plus there are constant offers on for reduced selling fees etc. And instead of a new eBay user being entitled to sell 10 products when they first sign up, it is changed to 100 listings the day after listing their 1st item. Thus meaning PayPal also will be rocketing downhill . I also believe PayPal holds a person's monies for 180 days (when limited for a number of reasons, including not having photo ID - i.e. a driving license or passport which not everyone has) so they can gain more monies from the interest etc. I imagine that there will be several people/groups/companies trying to do something like PayPal and eBay but better...and (fingers crossed) will soon be taking over and leading the game. So far I've had 5 'robot' replies to my messages from PayPal regarding this issue, typical!
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