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If I have a total balance higher than my available balance, could I still make purchases based on my total balance?
If you have a bank account or credit card linked to your paypal account, paypal will use the paypal balance first and then debit the checking account or cc you have on file.
But I have a pending balance, so why would they take money out of my bank account? Couldn't they just charge my paypal using the pending balance?
No... a pending balance is not an available balance, and so... it is not available to be used as funding for a payment.
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