Why is PayPal asking for a payment method when I have already added my bank?

[samstrong71]

so i have recently added my bank account to my paypal thinking i could make online purchases without the need for a credit card i even set my bank as the preferred payment method for online purchases but when i go to purchase an item on ebay for example it prompts me to add a debit or credit card when i allready have a payment method (my bank) i havent really been able to find out much info about this i just presumed this wqould be straight forward and i would be able to make online purchases but unfortuantley it is not working. i do not posess a debit or credit card and wanted to be able to use payapl by just linking it to my bank.... any help would be appreciated.

[kernowlass]

@samstrong71 

Transfers from bank accounts are never instant, that is why when you buy something paypal credit the seller upfront for you and paypal take the wait for the funds to transfer to pay them back again, this is so you get your item without delay.

Takes 5-7 working days to transfer as Paypal use the slowest (cheapest) transfer option BUT funds normally leave your bank account from a few hours up to a few days later.

However they only take that 'risk'  of crediting the seller upfront if you pay by...

1. Bank transfer but have a back up card linked to your account as well.
2. Debit or credit card.
If you have option 1 but have no back up card linked then your payment may go as an echeque and you and the seller will have to await clearance.