Can you pay with Paypal Balance & a visa card?

[Killedan9]

Hi there, 

So Lets say i have $40 in my paypal balance and i want to purchase something that costs $60 through paypal, Can i pay for the extra costs with my linked visa card? If so will Paypal automatically charge the full $60 through my visa or can i get it to only pay for the extra $20 through my visa and get the rest of the funds from my paypal balance?

Thanks in advance.

[chefo83]

Hello,

My past experience shows that only the extra cost is charged from the Visa Card. That is, you will be charged $20 and the rest will be paid from your existing Paypal balance.

However, that is not true if your payment is in another currency than the one in your balance. It this case the chance is that you will be charged the full ammount from your credit/debit card.

[snowshoe]

Here's a few more details on how the funding process works:

PayPal will first look at your PayPal Account balance, if you have insufficient funds, PayPal will then take the funds from your Bank Account.  PayPal will do an instant transfer from your bank account assuming you have a current linked and confirmed credit card.  If the card is not current or no card, then the transfer from your bank account to pay for the purchase can take a few days, possibly up to 4.

If you have a credit card and no bank account, then the credit card will be used. This all happens assuming you don't elect to choose a funding source. Note, If you have both a bank account and credit card, you can choose to pay with your credit card on the PayPal Checkout screens by using the pay with another source option. There you can select your card from the dropdown.

It is possible to pay using the funds in your Account balance and the remainder with a credit card however, you must first elect to pay with your credit card. Your available balance will be used up and the remainder is charged to your card. As this now looks like you've sent a single payment, you remain eligible for Buyer Protection. You would not be eligible for Buyer Protection, if you paid for the item with two separate transactions.

What you cannot do is split a single payment between 2 bank accounts, 2 credit/debit card accounts or a bank account and a credit/debit card account. In addition, you cannot split a single payment between 2 PayPal accounts.