Out of the box, fresh install - I've created 5 test ads, all were approved (set to be approved by admin before being displayed), and though paypal was configured (setting in the plugins) and fees were set up in SocialAds, not once was I brought through to paypal.
The ads went live without payment and without admin approval.
This is only a day of testing - don't know what other issues will come up.
Are you using the latest version of SocialAds ? Also if you created ads as an admin you have an option to set up Alternative as well as 'Free Unlimited' ads. Please use our support ticket system to contact our support before adding reviews here. If not configured correctly, you may face issues. We are having over 40 customers using SocialAds without issues.