For the record, PayPal has ALWAYS sat on payments to/from payers and payees. That's how they make some of their money. It has always been this way.

Now, I don't believe it has been 21 days. In the past, it's been a day or two.

I've never had an issue, but it's been many years since I sold something on e-Bay and used PayPal as an 'accounts receivable' type of service.

I still use it regularly as a payer and will continue to do so.

I also was using their money market account as an alternative place to save with relatively high interest. Nowadays, money market accounts pay out nearly zilch for interest, so I pulled my funds. Paypal's money market was paying higher than ING, which was known for having some of the best mnney market rates anywhere.