1) I don&#x27;t understand what you are hoping to show with that link: the court opinions seem to all side with PayPal. When companies settle out of court you can&#x27;t really use that to show the side paying the money is wrong: I&#x27;ve settled out of court myself in situations where I was told I could win the case, but where the settlement would have been cheaper than continuing the battle.<p>2) I have done tens of millions of dollars of transactions over PayPal. I also once had my account put on hold back near when I was first going into business.<p>2) You are not allowed to capture funds from someone using a credit card until you are imminently shipping the product to the customer. You say &quot;had the product to ship&quot;, but then I&#x27;m going to have to ask: how did the company &quot;almost go out of business&quot;? If they already have the product ready to ship, then all we are talking about here is a delay in compensation. If the company needed a loan, PayPal is not a company whom you are allowed to get a loan from, and money collected from sales <i>is</i> a loan until you <i>deliver</i> the product. Your worst-case scenario here is that you should be able to get the loan you need on extremely great terms given if you can really show to someone that you have a ton of money that will be coming to you in 180 days (and the fact that these people could not obtain a reasonable loan really then undermines the entire premise that they had good documentation for PayPal&#x27;s underwriting...).