wrecktom-
Welcome to the chat! More than happy to take a shot at that. 🙂
There are some rare instances where you wouldn't be able to use your balance, but we'll tell you before you complete the payment. Without being able to look at your account I couldn't give you specific information (so you might want to give us a call), but some of the reasons are our security model blocking a 'risky' payment, a currency conversion (where you don't have a sufficient balance in one currency, the system may use an echeck for that currency), probably a few more that I can't think of off the top of my head.
I am sorry that you ran into this situation, but I'm sure with a little specific inquiry we could figure it out.
Andy
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