I’ve been purchasing a lot on eBay recently, and I have no more funds on PayPal. Fund transfers from bank accounts take 3-5 business days, but I want to pay for the items now so they can be shipped sooner. What is the fastest payment option that takes less than 3-5 days? Also, if I withdraw from my PayPal account money that I don’t have, will I be charged a fee, or will I just owe PayPal?
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Hi,
Credit card is an option & so is instant transfer from a bank account (backed up by the credit card if the ach transaction fails).
Withdrawing to a bank account doesn’t have a charge from PayPal…but you should check with your bank to see if they charge for incoming ACH transfers (most do not).
If there is a credit card on the account, just use it.
Paypal isn’t going to let you go negative–that can only happen if you have a chargeback situation.
What I have done is use my debit card from my bank to add money into my paypal account. It goes directly into it.
The fastest option is for you to pay by Paypal funded by a credit card (or a debit/checking card with a V/MC logo). You can’t withdraw "money [you] don’t have" from Paypal – their computers are very good at doing math!
You can only wind up with a negative balance in some very odd circumstances (and you do owe the money). When Paypal recovers that money from your funding source, _that_ may cost you or overdraft you with your personal credit card or bank account.