Paypal has a high reserve for low to moderate risk merchants that is ridiculous.
They will freeze your account and funds at anytime and they have been known to do that.
They will close accounts without notice and it's a very cumbersome process to get your account unrestricted.
Their lowest qualified rates are 2.2% plus 30 cents. You cant get lower.
If you accept credit cards I would recommend giving me a call and getting a FREE quote and analyzation of your merchant statements. I can tell you what rates I can put you on and how much I can save you monthly within 24 hours of you submitting your statements if not the same day. Switch over is free and we are compadable with all terminals and can help you get one.
Give me a call or email me any questions. 630 352 3470 firstname.lastname@example.org