Hello, @ZombieNek0!
Thank you for reaching out to us through the Community!
Welcome to PayPal if you are new. Regarding your question, you got it right! If you don't have enough money in your balance to make a payment, the system will take the remaining amount from your bank account/credit card. The system will ask you what funding source you would like to use to complete the payment.
Have a nice day!
María.
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