paypal says on their site that they make money by holding money for a week or two & gathering interest on it.
Thus, when someone ripped me off, I told them within two days & those were bank holidays. I knew they could refuse to pay this person (there were dozens of other users who also got scammed) because of that hold that they have. So I told them not to pay that person. I don’t know if they did or not but they did not give me back my money yet & its been two months.
They said you have to ask ebay.com first. So I did, ebay said they won’t refund because paypal uses credit cards & I would have to dispute it with my credit card company but I had kept money in my paypal acct (they encourage this, saying they would pay 5.5% interest on it) so my card was not charged, thus, I can’t dispute it with the bank. So far this thing still isn’t settled. But knowing paypal has a hold on the funds, they could have refunded it right away.
There are other payment sites you can use.