Question about Paypal

[Heart's Smoking]

Hey guys, I just used Paypal for the first time in 5 years or so and had a weird thing happen to me. I put $100 in my Paypal account for ordering my starter kit and some supplies. The supplier sent me an invoice so I could pay. After paying the invoice, I've been waiting several days for it to clear. When it cleared, it took the money directly from my checking account, like an e-check. Now I have the $100 dollars just sitting in Paypal, but the actual payment was taken directly from my checking account.

So my question is, when purchasing more supplies in the future, how do I know if my payment is going to be like an e-check and when it will come out of Paypal? I need to know ahead of time to have money in the right account.

Maybe it always comes directly out of checking instead of the actual Paypal account? I'm still new at this whole Paypal thing, hoping someone can give me guidance here.

Thanks!

 

[Soot]

I'm no expert Heart's Smoking but I've had more correspondence with PayPal than I ever wanted to. When it works its great - when it doesn't you end out talking to electronic switchboards and getting automated responses to your emails. There is no human interface to PayPal. This increases the risk of fraud but once you report fraud they close your account down and require a set response to their programmed robots.

In regard to your query, my understanding is that PayPal will draw from the account you've declared to be your main account.

 

[Kimmiegrif]

There is a paypal customer service number. I don't have it off hand and you have to search. Maybe even at the very bottom of the website, about us? I can't remember. But I just had my wallet stolen and had to contact them because I had a debit card attached to my account and I had to freeze my account. If you find a phone number either when they ask for you to respond with push one for blah blah blah whatever, you either don't push any button and then they resort to hooking you up to a real person or you just keep pushing 0. I can't remember. But I did talk to a real person yesterday. Usually a paypal account is set up to pull always first from your account before it will do anything else.

 

[Kate]

I think when you are asked to confirm a Paypal payment the screen tells you where it will be coming from. You have the option to change the source although I've only ever done this with a credit and debit card, not money in account.

 

[jpc815]

Hey guys, I just used Paypal for the first time in 5 years or so and had a weird thing happen to me. I put $100 in my Paypal account for ordering my starter kit and some supplies. The supplier sent me an invoice so I could pay. After paying the invoice, I've been waiting several days for it to clear. When it cleared, it took the money directly from my checking account, like an e-check. Now I have the $100 dollars just sitting in Paypal, but the actual payment was taken directly from my checking account.

So my question is, when purchasing more supplies in the future, how do I know if my payment is going to be like an e-check and when it will come out of Paypal? I need to know ahead of time to have money in the right account.

Maybe it always comes directly out of checking instead of the actual Paypal account? I'm still new at this whole Paypal thing, hoping someone can give me guidance here.

Thanks!

You can set your preference for where you want the money to come from each time you make a payment to someone. There is a box on the payment screen to change you payment preference.

 

[Keef]

Hi I am new here.

I think one of two things have happened to your payment.

1. The box to select e-Cheque payment was ticked and you did not notice it.

2. Paypal decided to default to e-Cheque payment for security reasons,
may be because you have not used the account for so long.

They do this occasionally, often if you select to make several payments at once,they pay one out of the 4/5 transactions by e-Cheque.

No rhym or reason for it and blooming annoying.

 

[m1sterlurk]

I try to avoid using PayPal when I can (I have objections to them side-stepping bank regulations), and also their customer service is probably somewhere around useless.

Just hammer away until you can get a human being to actually give you a response. It may take a half hour on the phone, but if you can't resolve your problem with the robots it's worth it to keep pushing until they give you a real person.

 

[eyespy]

I'm not sure if the situation is the same in the US but in the UK you have much more purchase protection when paying with a credit card than via a chequeing account or debit card.

If possible link your CC to paypal - do not link your bank account.

If anything goes wrong PP will only do a charge back if the seller has funds in their PP account - any dodgy seller with their head screwed on will withdraw funds before PP can block them.

If you have paid via your CC via PP then your CC company is liable - this is not the case with chequeing accounts or debit cards.

Many people including myself got caught up in a scam in which the scam artist had purchased a kosher small on-line electronics retailer purely to make a quick killing and run.
PP were next to useless and would not refund any money as the scammer had withdrawn all money. Those that had linked their bank account to PP lost all their money, those that had linked our CC's to PP eventually got the money back from the CC company.

 

[Mr.Darcy]

the problem i have is i reached my £1000 yearly paypal limit ages ago,and i cant use paypal again until january...so im screwed unless i add bank details...which im loath to do...

 

[eyespy]

the problem i have is i reached my £1000 yearly paypal limit ages ago,and i cant use paypal again until january...so im screwed unless i add bank details...which im loath to do...

That happened to me back in April - I had to jump through some hoops to get the limits removed - can't remember what exactly but I didn't need to add my bank account as a method of payment.

 

[Heart's Smoking]

Thanks for the advice guys, it seems I had it linked directly to my bank and didn't realize it. I'll know for next time!