Help needed, PayPal credit payment keeps bouncing

[Bullensue11]

Help needed, trying to pay my PayPal credit, app updates but payment doesn’t come out of my bank account for about a week and by this time funds not available and payment bounces and I no longer have the funds to pay! Why doesn’t the payment get taken from my bank straight away?? Unable to get anywhere in the phone due to security answered all the questions but wrongly I’m told 😩

[PayPal_JonK]

Hello @Bullensue11, 

Welcome to the PayPal Community Forum. I can certainly understand how it can be frustrating when it takes longer than you may have expected for a transaction to process. When processing a payment to a credit card, it is normal for that payment to take 3-5 business days to completely debit from the bank to the credit card. This same process, called the ACH process, is what PayPal Credit uses to complete their repayments as well. When you being a repayment to any credit card, it's best to keep an eye on your bank's available balance and make sure you have enough funds to cover that repayment until it is fully debited.

My apologies for any inconvenience this may cause, 

 - Jon K

[Bullensue11]

The latest payment I made from my bank account to my PayPal credit agreement using the PayPal website was on 26/08 the payment has still not been taken!! Funds are still available! I just don’t understand why there is such a long delay for the payment to be taken???

[PayPal_Bindu]

Hey @Bullensue11 

I totally understand your concern about your payment not getting debited towards your PayPal Credit account. In this case, your best option would be reaching out to PayPal Credit Support team to get this checked further. You can find the number to the PayPal Credit team here. Alternatively, you can also use "Secure Message Center" within your PayPal account to reach the team. 

Best wishes,

Bindu