How do bank account payments work?

When you use your bank account as a payment option, the seller is usually credited immediately while our request for the money from your bank is processed.

In case your bank rejects the transfer for any reason, PayPal may try to initiate this transfer up to two times. If your bank can’t process the payment, we’ll use the backup payment method instead.

To manage your backup payment methods on our website:   

1. Go to Settings. 
2. Click Payments. 
3. Under Online purchases, click Backup payment methods.   

If we’re not able to charge your backup payment method, your PayPal account balance may become negative.

In rare cases, our internal risk system may not allow a bank account payment to be credited immediately to the seller. If this happens, you’ll be notified before completing the payment.