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I’ve been purchasing a lot on eBay recently, and I have no more funds on PayPal. Fund transfers from bank accounts take 3-5 business days, but I want to pay for the items now so they can be shipped sooner. What is the fastest payment option that takes less than 3-5 days? Also, if I withdraw from my PayPal account money that I don’t have, will I be charged a fee, or will I just owe PayPal?

Hi,

Credit card is an option & so is instant transfer from a bank account (backed up by the credit card if the ach transaction fails).

Withdrawing to a bank account doesn’t have a charge from PayPal…but you should check with your bank to see if they charge for incoming ACH transfers (most do not).

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  • 4 Responses for "For eBay purchases, what is the fastest way to pay if I have no more money in my Paypal account?"

    1. v b October 24th, 2009 at 10:13 am

      If there is a credit card on the account, just use it.

      Paypal isn’t going to let you go negative–that can only happen if you have a chargeback situation.
      References :

    2. KAREN D October 24th, 2009 at 10:20 am

      What I have done is use my debit card from my bank to add money into my paypal account. It goes directly into it.
      References :

    3. Damon October 24th, 2009 at 10:42 am

      Hi,

      Credit card is an option & so is instant transfer from a bank account (backed up by the credit card if the ach transaction fails).

      Withdrawing to a bank account doesn’t have a charge from PayPal…but you should check with your bank to see if they charge for incoming ACH transfers (most do not).
      References :

    4. unclejoeadamson October 24th, 2009 at 10:50 am

      The fastest option is for you to pay by Paypal funded by a credit card (or a debit/checking card with a V/MC logo). You can’t withdraw "money [you] don’t have" from Paypal – their computers are very good at doing math! :-) You can only wind up with a negative balance in some very odd circumstances (and you do owe the money). When Paypal recovers that money from your funding source, _that_ may cost you or overdraft you with your personal credit card or bank account.
      References :
      I teach this stuff. Weird, huh?

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