If you have lots of money going through and they can't see any reason for it not to be legit they don't care as they are making money from you. It has nothing to do with them what sort of business user you are, they are a credit company, not a bank or the Inland Revenue. By setting up a business account they will then offer PayPal capital and payment card readers. The only reason they close accounts is to protect themselves so they can distance themselves from anything that might get them into trouble for in affect aiding and abetting. By freezing accounts they are seen to be doing the responsible thing.