Since always, but more persuant to here, since 1999 I've always maintained enough in the "receiving" accounts to cover a couple months fees and enough to cover about a month's sales, or at least the couple largest sales (as a contingency for large returns). Depending on how many receiving places one has, it can add up, but it is also there in the case of emergencies.
Back in the early 2000s I was in a very bad car accident, took me really out of commission for 2 months (5 weeks in morphine induced coma) and about 6 months in total. It was a very good thing that I had the contingency stuff in place.
As well, when I'm on vacation in the summer, I can draw down the contingency because nothing is going into the mailstream and as time goes on the risk of problems sent before the store closed diminishes.
The arrival of MP actually made things better for me in this respect because now my two largest selling venues end up in the same place (ie the business bank account) so I'm better able to maintain a contingency amount in that one place with more flexibility.
Some of my selling venues are still PAYPAL so I still need to maintain something there but the "biggest" is here in terms of fixed costs and bigger sales so the contingency value required in PAYPAL is very much smaller now.
My store's currently closed and I'm entertaining the just over $10 charge to my bank account every 3 days. (I run a lot of 2 category listings which costs 9c each time they roll over). Of course the "big one" comes in a couple days, the store will be just opened after that, I might sell enough to make the store fee actually pulled from the account small, but likely won't be lucky enough to sell enough to cover it - unless things are a lot better than they were a couple weeks ago, I don't see anything that says they will be, but one never knows!!!
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