I learned the hard way! I sold two items to two gentlemen. Both gentlemen submitted payment for "merchandize" and included a note relating to the item they were buying. Now, PayPal considers me as a "seller", and they are holding payment because I do not have a "seller history" and they also have deducted a service fee for a percentage of the selling price. If they would have submitted payment using "friends and family" and no notes, I would be receiving the total selling price including shipping immediately.