I'm having a similar problem as well and it is very annoying indeed. In my case, I was under an active subscription to a web service that recurs everymonth For the initial payment, I made it with my account balance. Which I am happy with. Unfortunately, after the first month ended Paypal decided to use eCheque to pay for my next month's subsciption. Of course that is gonna take 4-6 days to clear and of course my subscription is automatically terminated by the other end for not paying. Please bear in mind that I do have plenty of balance in my paypal account and I am very annoyed by the fact that PayPal automatically change my recurring payment method to eCheque without my consent.
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