Hi WileCoyote23,
Thank you for contacting the PayPal Community Forum, and welcome as a new member!
The policy has not changed, and if you have a positive PayPal balance, this will be used to complete the payment. This is providing the merchant accepts balance payments to purchase their product/service. A merchant can choose which funding methods they will accept. If the merchant chooses card payments only, the full amount will be charged to the card registered on your PayPal account.
- Siobhan
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