Wanted to post the current predicament I'm in in hopes of helping other online SWers and content creators avoid falling into it. I'm always pretty careful with payment processors, but I recently had to file a DMCA takedown against a Paypal user who was reselling my content. They took action against the user, but they also informed me that they would be permanently suspending my Paypal account as well due to violating their Acceptable User Policy, despite me having zero transactions on that account. I tried to dispute this and the support assistant said their decision is final. I had previously set up the business account just to have it since I am moving towards offering vanilla services such as personal training and women's self defense courses, and I had the sole intention of using the business account for vanilla things, and not content. I guess if you're a SWer, you are considered a high risk account and it doesn't matter what you use your account for. Also for the record, I make clothed fetish content and don't sell nudity.
On the same night, both of my Venmo accounts, personal and business, were flagged and put on suspension. I'll admit I have taken payment for custom videos through my business account, but the transaction descriptions have been discreet or vague as far back as I can see. Venmo, which is owned by Paypal btw, then requested a copy of my ID, which I sent. A few days later, they informed me that my Venmo account would be permanently frozen. I tried to get clarification on this and appeal it, but they informed me that any additional contact from me would be ignored. It's especially frustrating since I pay my rent with my personal Venmo account and will now have to figure out another way.
Anyway, I guess looking back this could all have been avoided if I hadn't filed a DMCA takedown with Paypal or used a different email to file it. Hopefully others avoid what I did because now I'm super limited in taking payment for even vanilla business transactions.