The 21 day hold is for every PP payment linked to an ebay auction regardless of amount.
The problem is that you must accept paypal under ebays new policy. I have found that 80-90 percent of buyers will pay via paypal within minutes of buying an item. I sell only fixed price items. The paypal email addy on your listing must be the same as your registered ebay email addy or the ebay system will not allow you to list the item.
There are 2 possible scenarios that will happen. This assumes a valid email address because you must confirm your email addy to use it on ebay.
1. If the email address is registered on a PP account then when the customer makes the PP payment, it hits the seller PP account with a 21 day hold. These are the payments that I refunded and requested a new payment.
2. If the email addy is not registered on any PP accounts, when the customer makes the PP payment the payment does not go to any account, it remains somewhere in cyberspace until seller links the email addy to a PP account. The payment will show on the buyers PP account as "unclaimed". When you link the email addy to a PP account, all of the pending payments will be added to your account without a 21 day hold. The problem is that PP will shortly limit the PP account so you must dispose of the PP funds quickly before the account is limited. As a test, I linked an email addy with a 20.00 pending payment and did a transfer to bank account of the 20.00. I did this around 300 PM. At 130 AM PP limited the account and reversed the 20.00 deposit. I had to refund the 20.00 payment to the customer as it was now a worthles payment.
It appears buyers are unaware if they make a payment to an unregistered PP account unless they go to their PP account details where the payment will show as unclaimed.
I am unaware of any method of preventing a buyer from making a PP payment for an item. Even if you turn off checkout, buyers can still make a PP payment for the item from their myebay or the email link.
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