When you consider that you can have a subscription service and have your entire income wiped out by Paypal cancelling all the subscriptions and refunding people money who didn't ask for refunds.
Then going into your bank account and pulling out funds that you recently deposited from Paypal. It happens all the time.
I know that Paypal is a company that has to minimize it's risk and I even know that some of these people are high risk dream sellers. My business is pretty much service based (building websites for people), but if you sell Internet Marketing products (ebooks), you may be more susceptible to Paypal limiting your account and holding all of your money.
Are you going to just sit around and end up sh*t creek if and when it happens to you?
Not me. I just signed up for a business account at AlertPay. It took all of 1/2 hour to set up the account, my credit card, verification, my bank account, etc. and even set up my subscription service.
I can now change my links at a moment's notice and continue to do business. I can also switch my links and start selling my membership through AlertPay subscriptions rather than Paypal. I would keep the members that I already have in Paypal there, but new ones would be in AlertPay.
But I didn't stop there.
I also signed up for 2CO. Cost $49 application fee, but my business is worth $49. Waiting for approval after submitting all my info. If that goes through, I would then have 3 payment processors to use and could continue to operate my businesses even if Paypal shut me down.
If you're in the higher risk (Make Money Online) business, I suggest you get off your butts and get yourself some alternatives. NOW. Don't wait for a disaster to happen.
Tips for Paypal
1. I have never withdrawn all my money on a regular basis. I always leave about 2/3 of my money in Paypal and use it for expenses. They have no reason to get nervous that chargebacks (which I rarely ever get) will occur without any funds to cover them.
2. If you are in the high risk MMO niche, get two bank accounts. After you make a Paypal withdrawal and it hits your bank account, go take it out of that account and put it into the account that is not connected to Paypal. Simple. Then they cannot touch it.
Hopefully this will provide a little motivation to get you moving to make yourself a backup plan.
I did and I feel safer now.