I need to vent a little bit about how damned high-handed and arrogant banksters and financial institutions have become. I started selling on EBAY at the end of March. They have a set of draconian “new seller” rules that essentially allow them to hold your money “to ensure performance” until you’ve proven yourself.
Once you sell something and the money is in your PayPal account (new sellers almost have to use PayPal), the funds are held until 3 days after the item has arrived with the buyer, if you use an expensive tracked shipment method like priority mail. If not, the money is held for 3 fucking weeks after the payment is made.
You CAN get out of the new seller stockade at the end of 90 days, but this is at EBAY’s discretion alone (of course).

Well, you might say, they have all sorts of scammers sign up and they have to protect people. No, in the event of a scam or shipping failure, they cannot simply seize the money and refund it at the end of the hold period, they have to release it eventually. This really looks like nothing more than a device for getting the free use of the seller’s money for a couple of weeks.

As for shipping, priority mail is exorbitantly expensive, especially overseas, and new sellers typically do not even try to sell internationally.
All shipments have to be insured these days. Don’t even think about using parcel post, the cheapest. It might as well be called “partial post” since it only makes it partway to the destination. The disappearance rate on this method is phenomenal. If you file an insurance claim, and you will if you ship much at all, it takes up to 90 days to get your money from the post office.
Try making the post office, Ebay, PayPal, or local banksters wait 90 days for money that is due FROM you. In that case, all transfers are instantaneous and you better be quick about authorizing them, peasant.

Once your EBAY money is in PayPal, you still don’t have it, because it takes up to 5 days, more with serious nickel and dime chiseler banks, for the money to transfer to your own actual bank account. You can use it online in the meantime, but not for real world purchases like rent or groceries. This is not PayPal’s policy, it is the banks’ and it is practically universal. They get the transfer instantly, of course, but they profit by holding it as long as they can.

On a different note, I moved my payroll account from Wells-Fargo bank a couple of years ago because they refused to cash the checks unless the employee also had an account there. This policy is actually illegal in Texas. A bank check can be refused for any number of reasons but it is an obligation, not a loan or a free service. It must be paid on presentation if its validity is not in reasonable doubt and the amount is not excessive relative to the cash on hand. The WF banksters thought I was nuts to care about people so low on the scale they don’t have their own bank accounts. They simply thumbed their noses at me and at the law. To them, my half million dollar a year payroll account is pocket change and I am just another cranky peasant so eccentric as to care about even lesser peasants.