But the problem here is that paypal doesn't tell you if you're business is "ban-...

But the problem here is that paypal doesn't tell you if you're business is "ban-able" ahead of time. They have a list, and terms of services, but even if you followed them to the letter, they can still ban you, and not provide a reason.

This isn't a good foundation for a business to depend on, so i would completely avoid having paypal as the only option.