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We've had our PP account a long time... But we didn't start taking web transactions or ebay at any volume on it until a couple years ago. I don't remember any reserves though.
We have hard goods and once we enter a tracking number, pp doesn't seem to care much anymore. This also makes our return rates pretty much nothing, down to our own stupid mistakes.
Maybe it has to do with the type of item(s) sold, do you enter a tracking number on everything?
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