I ran a web site and our e-commerce all ran through PayPal, about $2m a year. One competitor would email PayPal on a weekly basis to tell them we were selling CSAM which was a really great way to get PayPal to instantly block all payments while they investigated.
In fairness to PayPal, and the reason for my reply, is that PayPal's tech staff would go to town and do a very thorough investigation of our entire site, including the back end, to make sure it wasn't true, and then would restore the account. So, some companies do have the staff and willingness to actually make the effort to investigate. I had no problem with PayPal doing it, I just wish they didn't block first, but they were simply covering themselves and I totally understand their business position.
In fairness to PayPal, and the reason for my reply, is that PayPal's tech staff would go to town and do a very thorough investigation of our entire site, including the back end, to make sure it wasn't true, and then would restore the account. So, some companies do have the staff and willingness to actually make the effort to investigate. I had no problem with PayPal doing it, I just wish they didn't block first, but they were simply covering themselves and I totally understand their business position.