PayPal's standard fund hold following an account limitation or permanent ban is 180 days, during which chargebacks, disputes, and refund requests are deducted from the held balance. The 180-day hold reflects the window during which buyers can file disputes through PayPal's resolution center. PayPal deducts any successful dispute resolutions from the held funds before releasing the remainder, which means the amount the merchant ultimately receives from the held balance can be significantly less than the balance at the time of limitation.
Merchants who have experienced a PayPal fund hold often make the mistake of focusing all of their energy on resolving the hold before deploying replacement payment processing. The fund hold and the payment processing restoration are independent problems with independent timelines. The hold will resolve on PayPal's schedule regardless of what the merchant does in the interim, and the merchant cannot meaningfully accelerate that timeline through engagement with PayPal's support channels in most cases. Deploying 27 Blockchain's cryptocurrency payment gateway restores payment acceptance independently of the fund hold situation. The merchant can begin processing new transactions through the blockchain gateway while the PayPal hold runs its course, minimizing the revenue impact of the period during which both problems exist simultaneously.
