when you make payment,you tell Paypal where you want the money to come from,if you have 2 banks,you tell which bank to use. if you have a credi card linked,then Paypal will advance the payment for you to the seller and then get the money back from your bank account next day or later. if there Is not enough money in your bank,it will turn around and charge your credit card. if it happens often your bank account does not have enough fund,it could delink that bank account. it does not hop around from bank to bank trying to guess which account has enough fund.
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