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If you accept payments via Paypal you can't withdraw money for 21 days, at least that is the case in the company I work for. Explanation is that in case a dispute will be issued so that they can refund, so my guess is large proportion of those funds is such payments being held.

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Ah, thanks, that's what I had in mind :) So while the original advise holds, commercial users are locked out of three weeks of payments of they're frozen for random bs.

I think it depends on the country your business is in (i.e. local laws and regulations) and what is your transaction volume is through Paypal, if you have large transaction volume I am pretty sure you will get better conditions.

Our company has very low volume through Paypal, we only provide it as a convenience and we had to limit payment amount due to fraud we had in the past, so these are likely the worst conditions you can possibly get.

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