It's not hard to understand.<p>Payment companies aren't going to give you other people's money as a free loan for selling future goods or services. From ticket sales of your first big event to crowd funding.<p>It violates every company's risk model. They have to hand you a huge chunk of money, allow you to cash out, and then wait for the chargebacks to come in months later. This kind of problem is spelled out in the tos.<p>What is the solution? Work with a company that will actually look into your financials and underwrite you. Braintree will do this. Your bank will do this. Authorize or whatever ancient CC processor will. Well, either they'll do it or tell you to move on before you've started processing with them. I think Stripe might have the same sort of instant approval, delayed rejection problem possible as paypal does here.<p>Don't try and use PayPal to avoid the underwriting process or prepare to have your heart broken.