~Pay Pal Payments

~Instant Transfer

~Credit Card

~E-Check

When you make a payment through Pay Pal you are are paying through your bank account or credit card. If you choose credit card the money will be taken from your credit card that you select instantly and funds will come out immediately. If you pay using instant transfer the money goes to the seller immediately but it will take 3-5 days to come out from your bank account. You can use instant transfer when you have both a bank account and a back up funding source such as a credit card in the system. This was if your bank declines funds the money will come out of your (credit card) back up funding source. What happens if they both are declined. Well payment will still go through to the seller but in 3-5 days Pay Pal will email you to let you know that you owe Pay Pal so much money from the transaction because both funding sources were declined. E-Check is another type of payment and this is payment that will come out of your banking account but not instantly. It will take about 2-3 days to clear before the seller will mail out your product and if it is declined the seller will email you to let you know that your E-Check was declined so that you can make another type of payment, this is similar to writing a bad check but no penalities will occur. These are the three type of Pay Pal payments that you can make, I like to pay using my credit card through Pay Pal because my money is removed instantly and the seller will get the money instantly, with instant transfer the seller will get the money instantly but I will have to wait a few days before it will come out of my bank and plus if for some reason you do not have money in either your bank account or back up funding source (credit card) the seller will ship your product because they will receive payment immediately but you will have to pay Pay Pal the money you owe them. They will email you within a few days and will not let you make another instant transfer until you pay them what you owe and then you will be able to do instant transfers again. If this ever does happen it will show a balance in your Pay Pal account how much you owe and then you just pay them using your credit card or bank account just like you do when making a regular payment. I don't recommend using an E-Check because the seller will not get the payment immediately and therefore it will be a delay in you getting the item that you ordered. Instant tranfer or credit card is the best way to go in my opinion!