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Comment by peterspath

2 hours ago

Why would you keep any money on PayPal. It’s just a pass-through to your bank account, accepting payments without giving your bank details to strangers on the internet.

Once you start doing frequent business through PayPal, they begin 'holding' some of your money to form a buffer against chargebacks and fraud. This doesn't happen often at the consumer level, but dominates within the small business world.