Re: What's the max amount of money you should take in a PayPal premier account
I would never take in more than $5,000 per month on a stealth account. This is the level at which they start to do risk assessment and underwriting on most merchant accounts. They want to understand your business and make sure that you can handle any problems that may come your way, that they will not be left holding the bag, so to speak, if anything goes wrong.
Merchant account providers do this upfront. They get your SSN, financial statements and will look up any previous processing history you may have. PayPal does this on the back end.
Typically what will happen is that you will either receive a call from them, or they might even limit your account. They will ask for an SSN, even if you already have an EIN on file. That is because they want to check your credit history. After all is said and done, your account would be evaluated to see if they wanted to place a rolling reserve on some of the funds to cover any refunds or chargebacks that may happen. The better your credit and financial data, the less likely they are to require a rolling reserve.
Of course, for stealth accounts, the problem is that you cannot supply an SSN and even if you could, there would be no credit history for them to go over.
I'm sure my post is still around from several months ago, where I broke my own rule and lost an account. The account was an older one, was a TRS+ and had 99.9% positive feedback. Nothing high risk was being sold, so when sales started bumping up against the $5,000 limit, I just put off dealing with it. BIG MISTAKE! That one hurt!
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