Ebay are a pain. Are you using a personal account or business account. Ebay made us use a business account from day one. We listed several mug designs that were simple, got a few friends to buy them ultra cheap (just for the feed back). Then once we had the feed back, we listed the personalised mugs and other stuff and upped the prices of simple ones.
Ebay have just done away with paypal payouts so we think they are being extra cautious.