Propay will try and "trap" your funds Lehi, Utah

I sell online currency on Ebay.  I signed up with Propay who then set my processing limits at $500 per transaction with a $2000 monthly limit.  I decided to use them because Paypal was starting to put 21 day holds on my Ebay funds.  I thought they would be a better alternative.  So I went ahead and sold a $310 item on Ebay.  The buyer paid promptly and I shipped the item out right away.  About 4 hours later I recieve an email from Propay stating that a reserve of $400 must be met because paper money and coins were high risk items to sell on Ebay. 

They told me this After I had been with them(Propay for 2 weeks) and after the buyer paid and After the item shipped so I had no recourse.  They essentially "trapped" my funds because they knew the item already shipped therefore I could not offer the buyer a refund.  I am assuming that an employee from them will submit a rebuttal which will paint me to be the bad guy.  I do not have the time or patience to go back and forth with these knuckleheads.  Just be confident that what I have just told you is the truth.  Thank You.