Thank you for your post and welcome to the Community Forum!
In general, when you send a payment and you use your card as a funding source, the amount is immediately charged. If you choose your bank account, the amount is charged after a couple of days and this happens regardless of the status of the PayPal payment. If the transaction remains 'Unclaimed' and you manage to cancel it, the amount will be refunded to the original funding source used for the payment.
I hope this helps!