Ragnorock uses invoices, but he did OK though. I think it also has something to with how old/new your account is, how much you have been receiving versus how much you have been paying, if you have a credit card or two as backup payment instruments, and if you have some regular activities (in or out).
Invoice could be a problem still. I didn't use invoices for my acrylic cases, and some people gifted me money, some paid as goods payments. BiNi also took in a lot of payments for Phantom group buy. No invoices, some goods payments, some gifts. I have had my paypal account for over 10 years. Mostly for sending payments.