What happens when an authorized payment is returned for insufficient or uncollected funds by my bank?
If a payment is funded through a funding source that is a bank account, and that bank account rejects the payment because of insufficient (NSF) or uncollected funds, PayPal at its discretion may attempt to resend or represent the entry up to two (2) additional times. If the payment transaction has failed for insufficient or uncollected funds, representment of a transaction may occur even if you have attempted to add funds to your PayPal account or if the recipient has initiated a return of the payment to your account.
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What happens to the funds from a Denied payment when I use a credit card or debit card?When a credit or debit card payment is denied by the recipient, PayPal refunds the transaction fee to the card that was used. If credit is not issued or posted on your card or bank statement within 30 days, you need to contact the card issuer or bank. When I make an eCheck payment, when will the money be debited from my bank account?PayPal sends the request to your bank as soon as you make the payment. Just like a regular check, it can take up to 5 business days for the payment to clear and the money to be deposited into the recipient’s PayPal account. A bank may decline an What is an unauthorized payment?Any payment made from a debit or credit card, bank account or PayPal account without the account owner’s permission is an unauthorized payment. When PayPal believes that a payment is unauthorized, we place a hold on it. Money can't be withdrawn until we determine if the payment My payment is on hold due to an open dispute, claim, or chargeback. Why?When a dispute, claim, or chargeback is open, the funds will be held in the seller's account and will not be available for use. The funds cannot be withdrawn and will be considered "disputed" until the dispute, claim, or chargeback is resolved. This ensures that the funds are When a refund is sent, is all the money returned to the sender's account?How a refund is credited depends on how you made the original payment. If you paid using your PayPal balance or bank account, we credit the refund to your PayPal balance. If you paid with a credit or debit card, we credit the refund to your card. Depending What is my backup payment method? Your backup payment method is the debit card, credit card, or bank account which is charged if an Instant Transfer fails.What are my payment and funding options when I use my PayPal account?When you pay for something, the first thing we’ll do is check your PayPal balance to see if you have enough to cover the payment. If you have enough money in your balance, we’ll use your balance to make the payment. If you don’t have enough money in What is an eCheck?An eCheck is a payment that you make directly from your bank account. Just like a regular check, it usually takes between 3 and 5 business days for an eCheck to clear and the money to appear in the recipient’s PayPal account. Both eChecks and Instant Transfers are What is a temporary hold by PayPal?When a temporary hold is placed on a payment, the funds are not available to the sender or the recipient. There are several different reasons why a payment may be held. Sometimes we need to confirm the source of the funds for the payment to make sure that Why is my payment on hold or unavailable?If a buyer pays you and the payment is on hold or unavailable right away, we’ll notify you via email or an alert on your Summary page. Why is the money in my pending balance rather than in my available balance? The email or alert you received will be your Why is my payment being held for 21 days?If your payment is on hold or not available right away, we’ll notify you via email or an alert on your Summary page. Why are my funds being held, and when will they be available? Delaying funds availability is a common industry practice we implement to help ensure Is it safe to link my bank account or credit card to my PayPal account?PayPal uses extensive security measures to safeguard your bank account or credit card numbers. We never reveal your financial information to anyone unless we have your permission or we are required by law to do so. In addition, PayPal provides 100% protection against unauthorized payments sent from your When will my eBay payment be available?Generally, payments are immediately available when your buyer pays. However, in some cases, there may be a wait before payments become available. This typically affects sellers who have a limited selling history or are Below Standard on eBay. In some cases, this may affect sellers who we’ve determined What is Payment Review?We review some payments to help protect sellers from risky or fraudulent payments. If we review a payment, we'll send you an email within minutes letting you know that your payment is Pending while we investigate. We also ask you not to ship your items until our review Why is the number 402-935-7733 showing on my bank or credit card statement?When making a purchase with PayPal, the charge may appear as “PayPal” along with the number 402-935-7733 on your bank or credit card statement. You may also see this phone number, which is a phone number associated with PayPal Customer Service, if the Merchant you’re shopping with uses My payment was denied, but the money has not been returned to me. Why?Money from a denied payment is returned to the appropriate funding source for that payment. If you used money from your PayPal balance to make the payment, the money is returned to your PayPal account. If you made the payment with a credit card, the money is returned Is there an API for retrieving the current balance of my PayPal account?Yes, this API is called the GetBalance API. You can find details on this call and its parameters here: NVP: https://developer.paypal.com/docs/classic/api/merchant/GetBalance_API_Operation_NVP SOAP: https://developer.paypal.com/docs/classic/api/merchant/GetBalance_API_Operation_SOAP Why did I get API error code 10321?Issue PayPal returned API error code 10321 - Insufficient Funds when using Mass Payment. Cause Your PayPal account has insufficient funds to cover the total of the Mass Payment transactions plus PayPal's Mass Payment fees. If you're waiting for funds to clear from an eCheck, these funds aren't Why did I get the error "Account not found. Unilateral receiver not allowed in chained payment is restricted" when testing the chained payment on my site?Important: Adaptive Payments is now a limited release product. It's restricted to select partners for approved use cases and shouldn't be used for new integrations without guidance from PayPal. Issue PayPal presented an "Account not found. Unilateral receiver not allowed" error message. Cause This usually occurs when the
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