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on 09-05-2012 12:28 PM
Right now i have my debit card linked to my paypal account, but in order to be verified i must link my checking account instead. But it's telling me if i do that, my checking acct will become my default pymnt method for most things. Is this correct? I want my paypal balance to be my default pymnt method! I'm confused. Can't i do both?
on 09-05-2012 12:40 PM
Paypal will always want to use your account balance first.
If your account balance is not enough to cover the complete payment...
1. they will use the balance first, then pull the remainder from your bank account as an Instant Payment (assuming that you also have a credit or debit card attached to your Paypal account).
2. if you prefer that they pull the remainder from a credit or debit card, you will need to use the change funding source link that appears on the first page after you log in to your Paypal account during checkout & select your cc or dc.
3. if you only have a bank account attached to your Paypal account (no debit or credit card), any bank funded payment will go as en echeck. Paypal will NOT split a payment between account balance & echeck. In this instance, Paypal will fund the entire payment by echeck. Be aware of this so you don't end up with an unexpected bank overdraft.
on 09-05-2012 12:32 PM
The other form of payment is a backup. The funds are removed from the paypal account unless there is not enough to cover the cost of the purchase then the backup is used automatically.
on 09-05-2012 12:34 PM
I want my paypal balance to be my default pymnt method!
Your PayPal balance WILL be the default payment method, as long as you have a PayPal balance.
If your PP balance is insufficient to pay for items, then PP will automatically bill your bank account unless you manually choose another payment method.
If you use your bank account and the payment doesn't go through, PayPal will try (in order) your PayPal credit account (if applicable), your debit card, and your credit card.
If you do not want to use your bank account, you must click Change or More Funding Options, and choose one of the other sources.
Click on Comment to reply, and let us know if that is or is not understandable.
on 09-05-2012 12:48 PM
Thanks guys! That's what I thought, until paypal actually said that my checking acct would then become my default payment method. I took that literally. Maybe i'm dense, but i would have understood better if they'd said "default payment method when there is no paypal balance.
on 09-05-2012 12:33 PM
It's not instead--it's in addition.
Yes, your checking account will be the default payment method, unless you have a PayPal balance. That will always be used first. If no balance, your checking aaccount will come up as the payment method. But you can change that to your debit card manually each time you pay, if you want.
on 09-05-2012 06:32 PM
They mean over a credit card.
They default to balance and then bank account and make you jump through several hoops to pay with a credit card. Which you should do since it is a lot safer.