When you send a bank funded Instant Transfer payment, two things happen simultaneously:
- PayPal sends a request to your bank for the funds for the transaction. It takes 3-7 business days for funds to come from your bank.
- PayPal pays the seller up front for you, instantly, so that the seller will not delay in processing your order.
When refund or cancellation occurs for that payment within a few days of it being sent, the funds that PayPal paid up front for you are returned.
However, the funds from your bank account are still in transit. They haven't reached your PayPal account yet.
As soon as those funds clear, they are available for you to use or withdraw.
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