I used PayPal for years. I kept getting messages that said, paraphrased, " we think you are a commercial vendor, pls submit all your invoices" ???
Im guess that their f...ed algorithm said that to much percentage wise of my sales were friends and family, and based on the volume of sales I was a commercial vendor. I explained I belonged to clubs and websites where my exchanges were among members, that we had a sense of togetherness, thus we were friends.
It took several calls to straighten it out.
A month passed, same commercial vendor message. Called and argued with them, they fixed it. Another month passed, same thing.
This time I asked for a supervisor .
She said that the best she could do was attach a 1.5 percent of the total when "friends sent me money, which was better than nothing. I've moved to postal money orders and checks.
Paypal, as the greedy capitalists pigs that they are, are going to extract every cent possible !!