What is the "hold" time? Is that 180 days, which is the period which PayPal allows disputes?

Good luck finding an escrow that is willing to deal with PayPal exchanges.

I'd be willing to throw some positive trust your way if that will help you out, but I truly hope you don't get burned by all the scammers that have undoubtedly hit up your private messages by now.

What kind of volume can you handle, and are you willing to drop your rates to 8%?