Payments for items purchased on eBay have changed

[PayPal_david]

Here is another question that I have received recently:

My payments for purchases from EBay have changed unexpectedly from being automatically taken from my Credit Card Account to being taken from my Bank Account. I didn't ask for this to happen and now my bank account has gone overdrawn and I will be charged by my bank for this. Why has this happened?

Geordy Mac

[PayPal_david]

Hi Geordy Mac,

When you send a payment from your PayPal account, we will always try and process the payment directly from your PayPal balance first, then your bank account, then from a credit/debit card and lastly using an eCheck. I understand that you may have funded your purchases in the past from a credit/debit card but our internal security system may select or prevent a particular funding option to be used to fund a payment.

You need to check that the funding option selected for the payment is the correct one before completing the payment from your PayPal account. On the ‘Review your payment’ page, it will show what funding option will be charged. Beside this, you will see an ‘Edit’ or ‘Change’ icon. By clicking this, you can then select the funding source that you want to be debited for the payment you are sending.

As PayPal is a user initiated system, you need to ensure that the correct funding source is being selected any time you are sending a payment in order to ensure that you will not incur any bank charges or difficulties with the payment processing from that particular funding source.

I hope this information helps with your future transactions,

David.