Payment Error?

[jesse99]

Okay so ill start off from this.

I made a payment for an online purchase, and it went as an eCheck because i paid from my bank account. I told the guy to cancel it and retry so it completes instantly. We did so and it worked but I did not notice until a month later that i payed from my bank again, which I had no money in, and the balance stayed in my paypal after he canceled the payment. I dont understand how the first time I payed, it payed with my bank when I had no balance in paypal but when I payed the second time, it payed with my bank again when I had balance in my paypal. Thanks for any help in advanced and any solution on what I should do or can do

[DPCreations · Accepted solution]

It probably stared with a lack of understanding of how payments and refunds work.  Once iniitiated, the payment process can't be instantly cancelled.  This means the process was in place to take money from your checking account.  "Cancelling" proably should have been a refund by seller and that would take days.  The money was already marked to come out of your bank account.

PayPal doesn't know in advance if you bank account has funds or not, so PayPal will go after bank funding again.

In future make sure you have sufficient funds in your bank acocunt and don't initiate a seocnd transaction before the first is completed.