They hold funds illegally, like this is their business model. I regret turning on Paypal on my online store because they charge exorbitant fees and have been holding almost $300usd for almost a month. For a small business this is devastating and costing me more money in fees to get around the fact that paypal keep holding my funds. My account is years old and processed thousands of dollars, there is no reason to hold my funds other than that they can earn interest on it
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