paying with paypal balance and credit card

erickp
New Community Member

Hey all,

I recently purchased a product online with my paypal account.

I had $435 credit on my paypal account and hence the reason for purchasing with paypal, to use this $435 credit towards the purchase.

 

After the purchase went through, I noticed paypal deducted the amount of the purchase, $800, from my credit card. I had actually wanted half from my paypal credit and half from my credit card(the whole reason for using paypal else i would've just gone and picked it up myself 😉

 

The email that was sent to me from paypal stated -  

 

Your funds will be transferred when the merchant processes your payment. Any money
in your PayPal account at that time will be used before any other payment source.

 

So will this actually be the case as my paypal statement still specifies that the $800 was taken from my credit card?!
Thanks for any help

erick

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2 REPLIES 2

snowshoe
Frequent Advisor
Frequent Advisor

 

Depends on how your account is setup and what choices you made during the Checkout process:

 

PayPal will first look at your PayPal Account balance, if you have insufficient funds, PayPal will then take the funds from your Bank Account.  PayPal will do an instant transfer from your bank account assuming you have a current linked and confirmed credit card.  If the card is not current or no card, then the transfer from your bank account to pay for the purchase can take a few days, possibly up to 4.

 

If you have a credit card and no bank account, then the credit card will be used. This all happens assuming you don't elect to choose a funding source. Note, If you have both a bank account and credit card, you can choose to pay with your credit card on the PayPal Checkout screens by using the pay with another source option. There you can select your card from the dropdown.

 

It is possible to pay using the funds in your Account balance and the remainder with a credit card however, you must first elect to pay with your credit card. Your available balance will be used up and the remainder is charged to your card. As this now looks like you've sent a single payment, you remain eligible for Buyer Protection. You would not be eligible for Buyer Protection, if you paid for the item with two separate transactions.

 

What you cannot do is split a single payment between 2 bank accounts, 2 credit/debit card accounts or a bank account and a credit/debit card account. In addition, you cannot split a single payment between 2 PayPal accounts.

 

Note:

If you did not elect to pay with your credit card first as mentioned above, then most likely the entire amount will be paid with the card.

 

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Aminou
Contributor
Contributor

hey , i'm a new paypal user , could u plz tell me if i'm correct or not ?.. so for exmple i have 60$ pp balance and on the credit card i have 40$ and want to buy something online that costs 90$ , after using paypal for this payment , the 60$ pp balances is used first then 30$ from cc (+ the fees ) , there would be no withdrawing from pp to cc right ?

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