Yeah, I don't mean credit just as in... "well you let us earn interest on your funds for virtually nothing, so we'll just ignore the fact that you're selling grey market goods..." but 'credit' as in you always have funds on hand to end disputes right away with the refund option without getting caught out in a situation where they have to try to return the funds to the customer by doing an ACH from your bank -and worse yet getting a rejected ACH request while doing so- or having to charge it to the card you have on file. I might get a dozen disputes a year, but it never gets to a stage where a human would see that (unless they do random visual audits) because it gets closed the same day (if not within a few minutes or a few hours) because I always have funds ready to do refunds right away. I'd be more than happy to do a refund every single day if it means the other 49 transactions go through without a hitch.
Intuitively speaking though, if it's not just a computer acting on how many flags an account has and there is an actual human element involved, I'd still tend to think that larger balance accounts would be less likely to be shut down (and yeah, I know there are thousands of stories out there of folks getting shut down regardless.... but those stories also tend to opt out of sharing the other mitigating factors that may be involved... like opening a 5th account under the name of Michael Jackson, an SSN of 123-45-6789, or openly selling 100 copies of Scarface on DVD every single day, etc) than fresh unseasoned low balance accounts. It's just the same underlying logic that is at the core of most interest earning institutions. They don't want their whales to go somewhere else. 
Last edited by airsealed; 09-03-2011 at 10:23 PM.
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How did you verify with a VBA for NZ paypal?
