So I've been doing business on my paypal account since 2002. I have it verified up the wazoo! I've been doing business online selling a digital download and using paypal as my payment processor. My sales averaged 300-600day in profit to me. Well paypal decided to end it all today! I average about 125 sales a week. Out of those 125 sales, I generally get about 10 disputes. Apparently paypal isn't aware that digital downloads have a higher dispute rate than normal. But they dont give a shit! I think only 10 refunds out of 125 sales is a pretty DAMN good ratio! But sucks for me, now my business is shutdown, I'm losing money everyday. They said my dispute rate is too high for them, and it has to be less than 2% and 8% is too high. Due to this they will not be reopenng my account. Thank you paypal, for leaving me out in the cold.