Basically I need a paypal account where I can receive payment and not have it 'on hold' for 21 days..
The only reason if you are getting a 21-day hold on receiving funds is payments from buyers on eBay. If you're selling on eBay and want to get rid of the 21-day hold, you need to get a lot of feedback (100+) and have been a member of eBay and PayPal for a few months. If you're selling and not scamming on eBay, 21 days isn't
that bad. And getting your PayPal verified will not lift the 21-day hold.