So it's not a CREDIT Card, it's PayPal Debit card. And the way it was explained to me, if one has a good track record with PayPal, handles the card responsibly, and MAKES DEPOSITS from time to time, or sells stuff and the money accumulates in the PayPal acct, and the card is used for MORE than what's in the PayPal account, based on PayPal's experience and their algorithms, they may choose to approve the purchase with the card, and hit the "backup funding source” for the difference between what was in PayPal and the purchase. Again, it's not a credit card, so of you make a $1,000 purchase, and you don't usually make that kind of purchase, and only have $14.76 in the account, the transaction will probably be declined. On the other hand, if one makes a $1,000 deposit every few weeks and uses the card to buy something that's a LITTLE over the balance in your PayPal account, then they usually approve the purchase and the balance gets pulled from your backup source, ie, checking account. If the transaction is being declined, it's probably a transaction that's A) unusual - for the customer B) on another occasion PayPal approved the transaction but there wasn't enough in the backup account and they made note of it Or C) not enough deposits have been made to the underlying PayPal account, and the customer is using the account as a CREDIT card, rather than a Debit card that every once-in-a-while buys something with the MasterCard Debit card that -again - goes over the amount on deposit in the PayPal account. Again, it was explained to me - and it's true - that instead of always relying on PayPal to approve transactions that always go over the PayPal balance, make deposits on a regular basis to PayPal. Pay bills with the card. Use it for groceries. Make sure there's enough in your backup funding account to cover the SMALL amount you go over (at first) until PayPal sees they won't get burned by laying out the amount that the transaction went over by, then they go to withdraw from the backup account, and it's not there. No, that won't make them happy, chasing after the amount they approved, only to be out the difference between what one charged and what PayPal approved, believing the extra funds are sitting in the backup account. (BTW that $ amount is the amount that people asked about to start this thread.... They didn't recognize that DIFFERENCE amount)
