Paypal is holding over $18,000 of my business funds for 180 days and has closed my account all the sudden sfter many years of doing business with them. They hold the funds because of chargebacks, but my chargeback ratio is very low and has been for many years with them. I would suggest for anyone out there looking for a company to use for your business to stay away from Paypal and look into others like Google Wallet or Stripe. Paypal shoud release my funds immediately since I do not autorhize them to hold onto them for 180 days and have very few chargebacks.