default payment method

[designlink]

I recently purchased some goods on a website which took paypal as a payment method.  There were more than sufficient funds in my paypal account to cover the cost of the purchase, but despite that paypal still tried to debit the funds from my bank account first.  As there was pretty much a zero balance in the bank account, the debit failed and then payment was automatically taken from my paypal balance.

As a result my bank are charging me £20 for a failed payment.  Why were the funds not taken from my paypal balance before trying to debit my bank account?

[kernowlass]

@designlink

Do you use pay after delivery at all?

Were the funds cleared or pending?

[designlink]

This was just a straightforward transaction.  The paypal balance was cleared funds.  I'm sure of that because I had just transferred some money from the paypal balace to my bank account.  The remaining funds in paypal were more than enough to cover the cost of the purchase.

[kernowlass]

@designlink

Again, do you use pay after delivery at all?

[designlink]

No.

[lancelotme]

You said the fund in your Paypal account,you transferred some to yourbank account and whatever is left is enough to pay for your purchase,

Could this be a case of FIFO,FIRST  IN FIRST OUT,the remaining fund may not have yet cleared?

We often do not realise,when payment landed in our account ,it is instant right after someone paid us ,but in reality,it would not be collected until next day earlist or even longer ?

paypal is really advancing the $$  we received from third party?

Just my guess