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i've had two restrictions placed on my account in the past month. both of which i wasn't told about until after i bought something (well tried to only to find out paypal sucks).
and the biggest pain is i have to wait for snail mail because i don't have a land line at my house (college)...
fuckin shitty paypal.
If you have a credit card hooked up, you can pay right away. If you have a bank account hooked up, you have to transfer the money to paypal which take 5 - 7 days.
What I did was I went to my bank account and put money in my checking account. Then went to buy it and it had a connect thing come up and if u have a debit or credit card u put it in and payments will be instant