If you pay with a bank account, the system may ask you to add a card if one is not already linked, to make an instant bank payment (aka PayPal fronts the money ahead to the seller and awaits your bank payment to clear), otherwise, it will go as an eCheck which is super slow and it has to clear the bank first and deposited into seller's PayPal account before the seller resumes in fulfilling your order. Linked cards must be selected as funding source during checkout to use them and have enough funds there to cover entire amount of purchase or it declines. Funds can only be added to PayPal account with linked bank account. Funds can't be extracted from cards to your PayPal balance. If you pay with a bank account, the system may ask you to add a card if one is not already linked, to make an instant bank payment (aka PayPal fronts the money ahead to the seller and awaits your bank payment to clear), otherwise, it will go as an eCheck which is super slow and it has to clear the bank first and deposited into seller's PayPal account before the seller resumes in fulfilling your possible to do. You have to make sure your payment method is correct during checkout because every time you ask for a refund because you made a mistake, the recipient/seller/merchant are responsible for the PayPal fees and doesn't get a refund on that (some may even deduct PayPal fees from your refund and rightfully so in such cases) therefore you must be mindful and alert as much as possible when paying. You must contact recipient/seller/merchant to issue a refund and then you can repay with a different payment method selected at checkout. ![]() First, find the 16-digit number on the back of the Visa gift card. You don't get to change payment method post transaction from PayPal account. Adding a Visa gift card to PayPal is a simple process that can be completed in a few minutes. However if you choose your PayPal balance to pay, the system may ask you to select or add a card as back up. When you make payment, you must choose the payment method then and there during checkout. ![]()
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