Paypal and ebay, quite a team.  One can claim ignorance of the other though they operate like a tandem bike and through the ignorance, a lot of fees, charges and holds exist.  A hold to anyone who can count, is them stealing interest from you, they have always held deposits and transfers from/to canada but now they feel it is prudent to hold funds in the name of buyer protection and confidence.  So in short, they hold my payments for high risk items such as blow up barbie furniture for ten dollars and empty watch boxes that sell for 20 dollars.  Some of the things that make me laugh is like the ads on ebay..."why do so many sellers use paypal" then branching into a whole raft of reasons why that completely ingores the obvious that you HAVE to offer an electronic option, well, that is convenient for them eh, and unless you have a merchant account, there are not too many options, I am sure they hold stake in all of them...a monopoly I thought was illegal and holding the money 21 to 30 interest bearing days has to be criminal and to top it all of, they are working for me...worst damn employee ever, stealing tons of money from me and CERTAIN to be shortening my life with every issue and instance.  I love here as it is not ebay, as an opine, I can think and say just about anything and I am glad you have decided to read on.  It likely seems funny from your end, but it will not be when you try to sell something or really want to make your self laugh, ask them a question sometime and check out the useless response.  In short, I used to love ebay but after all the friggin fees etc and having all those people work for me, it is the worst business arrangement ever.  It would be like advertising in the local paper, then having the paper send me a bill after for making the sale and to really compare, if the buyer had issue, or claimed to have issue, to be the same, the paper would then have to harrass me and steal from me and try to hurt my reputation, instead of just being what it is, a meeting place or a directory...ebays involvement post sale is a frigging joke too.  I pay you to stay the fk out of my business, not try and make it as unenjoyable as possible by allowing paypal to facilitate another theft of my items.