I work for a company that helps a lot of PayPal refugees. We hear these stories all the time. In many cases people know exactly why they were banned, but it's a

I work for a company that helps a lot of PayPal refugees. We hear these stories all the time. In many cases people know exactly why they were banned, but it's amazing how often they have no clue (like OP). Apparently these mystery bans tend to originate from automated systems, and there are too many automated bans for it human agents to be able to investigate them all. While it feels like rule of the machines, it's actually rule of the fraudsters. If these payment processing platforms weren't so broadly vulnerable to fraud, they wouldn't need to rely on machines to make these critical decisions. An we can blame the credit card and ACH systems for both heavily prioritizing convenience over security via "pull" payments. Yes, crypto offers "push" payments, but those actually increase the risk of fraud for buyers. I think the killer combo is crypto with escrow, to protect buyers. But of course escrow has higher costs than just blindly transferring funds like the payment processors do. That's why this is one of those perennial problems of commerce.