paypal insufficient funds in bank account

Could they make a charge like that if I was just trying to add money to my PayPal from my bank to have the money there & not because I owed them money? Cookies help us customize the PayPal Community for you, and some are necessary to make our site work. You are viewing the PayPal Community Archives.

Paypal's computer just kept sending the request to the bank automatically, instead of going to my second bank account, which did have money in it. When you make a payment using your bank account, PayPal does not know how much funds are in your bank account. That's the stupidest thing I've ever heard... Ouch. Since my Paypal account only had $10.17 in it, Paypal charged my primary bank account for the $14.95 in an attempt to add funds to my Paypal account, a bank transfer that was unauthorized and unknown to me. I tried deleting the bank account that has no funds, and Paypal won't allow it because, as the message says, "there is a transaction pending". Learn more in Community Events. Thanks. How does instant transfer work?

This will take the usual 5-7 working days to clear from your bank account into your PayPal account. It had never happened before & I tried to call but turns out they’re closed due to the pandemic going on. Learn more in Community Events. I go check, my bank account has $450.

Insufficient Funds in Bank get charged for. While the seller is being paid instantly, we still have to wait the 6-8 business days to be reimbursed for the payment. If your bank tells us there’s not enough money in your bank account when we try to collect, we'll try again about 24 hours later. By browsing this website, you consent to the use of cookies. You are viewing the PayPal Community Archives.

I'm certain as long you've been with them for awhile and haven't had issues in the past they'll be willing to make an exception.

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Well, Paypal knew it was insufficient the first attempt, why did Pyapl try the second time?

So the system will request the full amount from the bank. eBay, without my authorization or knowledge, automatically deducted $14.95 in fees from my Paypal account. New to the community?

We then wait 6-8 business days to see if the funds will clear to PayPal or if the bank will deny the transfer. Will paypal take the money from another of my listed bank accounts automatically?

Adding funds to your PayPal account ahead of time is not necessary if you already have the ability to initiate an Instant Transfer from your bank.

It will work. Have you spoken to them yet? If I try to use instant transfer paying with my bank, will it work? I have anxiety and this is really messing with my head right now. Your bank may charge NSF fees for each failed attempt, and so... it's best for you to immediately add sufficient funds to your bank account so that the payment is successful on the first attempt. As I said before, I have a bank account as my primary source and a credit card backed up.

I'd recommend that you consult the bank to check if they in fact received the request from PayPal to add funds and ask them why they responded that there is indufficient balance. I have another little bonus question if you can answer it, I've been curious about it actually. By browsing this website, you consent to the use of cookies. Great questions. If you don't have the full amount of the transaction in your PayPal account, the only way that you can issue a refund to your buyer is by initiating a transfer from your confirmed bank account. I go check, my bank account has $450.

When you send an 'Instant Bank Transfer' using PayPal we'll get the amount to the recipient right away, then we'll wait to collect the money from your bank. We then wait 6-8 business days to see if the funds will clear to PayPal or if the bank will deny the transfer. When you make a payment using your bank account, PayPal does not know how much funds are in your bank account.

PayPal will make 2 attempts to complete the bank account funded payment before switching to your backup funding source.

Yesterday I bought an item on ebay that after currency change and shipping was applied, the total turned out to be 21cents over the amount of money in my bank, but I paid with my bank account anyway.

So the system will request the full amount from the bank. What happens when an authorized payment is ... -

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