I received payments on a paypal account that had a different credit card and email address from my ebay account. It was not added to my ebay account. I did not use ebay checkout, either. I thought I was safe and things were unlinked. I just told people to "send your paypal payment to such and such email address.
Of course the PP account was limited and subsequently my ebay account limited.
I BELIEVE the linking was because my buyers, when in paypal, chose the payment method of "pay for an ebay auction" which required entry of the ebay auction number, which then brings up all the ebay info.
When I received simply cash transfers, or transfers for services that paypal account was still killed, but the ebay account for which it was taking payment was not.
Seriously, it is over with using paypal if you are starting a brand-new account. It seems like they will ultimately limit every account as soon as it receives it's first payment.
I couldn't find this theory discussed anywhere, so I just thought I would throw it out here.
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