URGENT! Was it a PayPal credit payment?
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PayPal Credit
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Transfers from bank accounts are never instant, that is why when you buy something paypal credit the seller upfront for you and paypal take the wait for the funds to transfer to pay them back again, this is so you get your item without delay.
Takes 5-7 working days to transfer as Paypal use the slowest (cheapest) transfer option BUT funds normally leave your bank account from a few hours up to a few days later.
If insufficient funds then either your bank will deny the payment and paypal will put your paypal account into negative until you pay them back again OR paypal will use any back up card you have linked to your paypal account (after trying a few more time with your bank first).
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