Validating a business idea using Paypal as a payment processor before having a registered business?

Hi there!

I'm currently going through the process of developing my first ever digital product/business.

As it's reaching the final stages, I'm a bit scared when it comes to choosing a payment processor.

I'm still a student and although I have high hopes and this is a very high-quality product, I would like to avoid going through the hassle of becoming a registered business without being certain that this product can provide the necessary cash flow to keep itself alive.

My initial plan was to launch, see when the cash flow starts flowing in, and then register as a business (I'm not in the US, it's mandatory in my country once you start receiving unexplainable money to your bank account). But from what I understand, PayPal sees a quick influx of money as suspicious behavior and freezes your account, then asks for your business details (which I might not have if I get frozen too soon) in order to unfreeze it.

Needless to say, this would really mess up my tempo and if it happens too soon, it would get messed up for good. I'm wondering what the threshold is before that happens.

Any insights? Would Stripe perhaps be a better choice for this? Thanks!