Sounds odd for PayPal to do that (might be a US thing?). They're the one owing you money but you're the one who has to pay extra fee? The purpose of delaying w

Sounds odd for PayPal to do that (might be a US thing?). They're the one owing you money but you're the one who has to pay extra fee? The purpose of delaying was to prevent fraud and this achieves nothing to prevent fraud, the vendor can just take the loan and run away. If PayPal is confident enough to give a loan, they're confident enough to release some of the funds, but they prefer to force a loan on the account holder and get extra fees? I don't expect that going well in many jurisdictions. Consider the massive power imbalance and usually shorter legal timelines to close SME payments, that give more weight to the case.