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1. The customer may select the payment is for “goods”, which causes Paypal to expect you to ship something physical when it’s a digital delivery.
    
2. The customer could put something in the payment’s notes that trips Paypal’s “naughty word” sensor, causing them to review and possibly cancel your account if they believe you’re getting paid for porn.
    
   Invoices reduce these risks by having the artist send a “request” for money to the customer, and they simply click a link and pay it. This reduces the first risk because you can specify that you’re not shipping anything, so there’s no expectation of a shipment/tracking number.
    
   An invoice will also reduce the second risk because you can simply say the commission is for “Art commission - two full color characters” (very low risk of review) instead of “Picture of Twilight ramming a strap-on dildo in Rainbow Dash’s pussy” (much higher risk of Paypal questioning the transaction).
    
   Not that I’m implying that you should ever use Paypal for purchasing/selling clop - after all, that is against their rules.

Hi I want to know how commissions work, how much should I charge and should I use paypal or Patreon?

1. Artist announces that commissions are open, and posts details (price sheet, what you will/won’t draw, etc)  
2. Customer contacts the artist and explains what they want  
3. Artist and customer discuss detail and work out a final price  
4. Customer sends payment  
5. Artist sends a sketch, making sure everything (pose, design, etc) look good.  
6. Customer makes any suggestions/change requests  
7. Artist finishes and delivers the image
    
   Note that steps 4 and 5 can flip sometimes - I’ve worked with artists who sent me a sketch before asking for payment. This can work better sometimes, in case the customer wants to make a major change that would affect the price - there’d be no need for a second payment. Though that also can be a bit risky, because if someone just wanted a free sketch, and you send it to them before they send payment, then they may run with it.

But Paypal is notorious for shutting down your account, and thus your entire business, with no reason and no warning, with little-to-no chance of recovery. Something that Patreon doesn’t do, as far as I know.