Hi Tommc34,
Welcome to the community forum and thanks for posting.
A payment will be sent as an eCheque if your PayPal balance is not enough to cover the payment and you don’t have a card and a bank linked to your account.
With eCheques, your bank account will be debited when the payment is initiated. However, the recipient will typically receive the money 4 - 5 working days later.
To see the status of your eCheque payment:
Go to Activity.
Use the date range, 'Advanced search' options or the keyword search box to find the payment and then check the status.
Cleared: The transfer to the recipient has completed.
Uncleared: The transaction is still processing from the bank.
Failed: We were unable to obtain the money from your bank so the payment to the recipient hasn't completed.
Canceled: You've canceled the eCheque. If you cancel an eCheque the money will still be debited from your bank account but will be credited to your PayPal account balance.
You can see the expected clearing date of your eCheque on the Transaction Details page. Just click the payment in your Activity.
To make an Instant Bank Transfer, we usually require you to have a valid debit or credit card registered to your PayPal account, as well as your bank account. To help avoid future payments being sent as eCheques, if you haven't done so already, add a debit or credit card to your PayPal account:
Log in to your PayPal account at www.paypal.co.uk
Click Wallet at the top of the page.
Click Link a card.
Enter the required information and click Save.
Hope this helps,
Intars
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