Can I purchase from ebay with a Zero balance?

HillaryM
New Community Member

It's been so long since I used my paypal account I can't remember how this all works. Can I make a purchase on ebay with a zero balance on my paypal account? I used to have a card linked to my accout, but it expired in 2007 and had my maiden name on it. So if I make a purchase on ebay will paypal debit that amount from my checking account? Or do I need to have the funds already transfered into my paypal account?

Login to Me Too
3 REPLIES 3

sandypurins
Advisor
Advisor

You do not need to have funds in your PayPal account, however... you need to have a valid credit card, debit card or bank account linked to your PayPal account before you can send any payments.

Login to your PayPal account, click on the "Profile" tab and check to see that your bank account, credit card and/or debit card information is accurate.

Login to Me Too

Watchout
Contributor
Contributor

Yes, you can make purchases with a zero balance as long as you have update your banking and backup source information.  Currently if you use bank account for your source of funding your item's you purchase using your Paypal account could be delayed due to the fact the transaction is treated as an E-check which can take up to 7 days to clear, the the seller ship's your item.  Best source of funding is alternative credit card.  You are always asked  when you check out of Paypal the source of funding.  I believe it defaults to bank account but you can manually change this to other sources once they have been added to your account profile.

I would recommend doing this as soon as possible as it can take 3-4 days or longer to get that information verified.

 

I too,  just came back from a long vacation from Ebay & Paypal.  I updated my information and then I went down to Walgreen's and bought a Green Dot pre-paid credit card and also a Green Dot Paypal load card.  This way I could use the pre-paid credit card at Amazon as well.  I'm a Prime Amazon member and get free 2 day shipping.  Everything is arriving before Christmas for free.  Including the item's I just purchased tonight. 

 

Remember, as a Ebay Buyer, use credit card as your primary payment source because if you have a problem with the transaction and the seller won't resolve, act immediately and dispute transaction with your credit card holder.  Make sure to provide them factual dates, coorespondence between all parties and your side of the story.  The seller will have to provide his proof of factual information as well.   Your credit card gives you an immediate provisional credit until they have hear and seen all factual information.  Best advice to all consumer's your credit cards protect your more than even your debit credit cards.

Make your own Buyer's protection and stop dealing with the run around, get your money back sooner.

Happy Holidays!  Amazon rules.

Login to Me Too

DebbiKitt
New Community Member

I usually change my preferred method of payment to my credit card. However, not all links allow you to change your source of funding. It will revert to your credit card if your balance is $0.00. But it takes time a nd is a hastle if you are in a hurry to place an order. I would like to know why you cannot change your primary source of payment to your credit card and leave your bank account as a secondary source.

Login to Me Too

Haven't Found your Answer?

It happens. Hit the "Login to Ask the community" button to create a question for the PayPal community.