I own a site that pays direct commission to referrals, the frequency of which is based upon their level in the site. Last month Paypal limited my account after someone made a bank reversal, claiming that it violates their AUP, which it doesn't as far as I can see. There are many of these sites out there exactly the same as mine, but they chose to go after my site (I pay up to 75% commission instantly). I had to remove all traces of Paypal from the site, despite it being written specifically for Paypal, but when I asked them to clarify exactly why they thought it violated the AUP they wouldn't tell me. It was the most frustrating and annoying time I've had online and they're the most unhelpful company I've ever had dealings with. Has anyone had a similar experience? They seem to think it's a ponzi or pyramid scheme, which tells me they really don't understand online marketing at all, but as they won't give me any clue as to why they think that I'm just guessing, as it's something one of the many people I spoke to on the phone told me, although they didn't know for sure either and couldn't, or wouldn't find out for me. Being so reliant on them, I now feel my entire online future is in the hands of people that won't listen and don't understand the business I'm in. What do you think about Paypal and why they do this to people who are not crooks and are just trying to make a living. BTW, I actually won the bank reversal dispute that put my site on their radar, how's that for irony?