Hi PittsPandaBear -
Thanks for reaching out to us here. This does sound confusing. When you add funds to your PayPal account, it can take some time for those to process through. Normaily it can take 3-5 business days for the ACH process to finish. If there are not enough funds in your PayPal account at the time of a purchase (so if those funds that were added had not cleared yet) the PayPal account would then go to your bank account for that payment. Instant transfer would mean that the funds are coming from your bank account, but because you have a card on your account, the funds are sent instantly to the seller while the funds actually clear from your bank.
The funds that were added straight to your PayPal account would show in your available balance as soon as they completed.
- Adam
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