My paypal has been reported and closed 7 times in the past 12 months locking up 20k the first time and smaller amounts each time after that.
I run cards over the phone and do not keep any card info on file. Any credit options that are through a website are recorded with your iP address, all personal info and card info saved into that websites payment systems, this is 1 reason why I do it over the phone.
I know it all seems petty and stupid but rival banks (sucks they can't just be competition) attempt to prevent my acceptance of payment anyway possible so that business will have to be diverted to their location. Sucks people can't just do good business to get business but the industry is a wild west show.