Payment sent as an echeck without letting me choose and now my money is pending

[yardmoney]

as the title states i recently sent money overseas to my gf and the payment has been pending the whole time after my funds were withdrawn from my bank. the customer service ai told me it was sent as an echeck however when making the payment there was no option to select it or not, and on the transaction details it does not state whether its an echeck. i only found out through the ai service. how long will it take for her to recieve the money, and why has it been sent in that way. 

it has been almost 4 days since making the payment btw

[kernowlass]

@yardmoney 

Transfers from bank accounts are never instant as Paypal use electronic transfers ie echeques (cheaper but slower).

Funds normally leave your bank account from a few hours > few days later but they take several working days to clear through to the seller/Paypal as they go via ACH in batches.

Its called instant because normally IF YOU ARE BUYING SOMETHING Paypal credit the seller upfront and then Paypal take the wait for the funds to transfer, this is so you get your item without delay.

However there are times however when its you and the seller / recipient that take the wait for the echeque to clear and here are some of the reasons...

1. Back up card has expired or needs updating.
2. You have had a recent negative balance or failed bank transfer (so paypal are not going to credit the seller in advance in case it happens again).
3. For some high cost riskier payments / transactions.
4. Friends / family payments *funded from a bank account* as this option is free then its you that takes the wait this time.
5. Clearing a negative balance.

[yardmoney]

thank you so how long will it take having made the payment on the 20th. another thing to add is that it sent as goods and services when it is for friends and family but it did not give me the option to change

[kernowlass]

@yardmoney 

ok if it wasn't a friends/family payment but a goods/services one then it would still go as an echeque IF..........

you don't have a back up card linked to your paypal account.

the card has expired and needs updating.

There can also be other reasons as per link.

https://www.paypal.com/au/cshelp/article/why-was-my-payment-sent-as-an-echeque-and-why-is-it-pending...

[yardmoney]

i do have cards connected to the account that are both valid and the money has already been deducted from my bank. will it make a difference being classified as a goods and service payment

[kernowlass]

@yardmoney 

Then read the link i posted.