An eCheck is an electronic funds transfer from your bank account to another customer’s PayPal account. It usually takes up to 5 business days to clear, but in some cases, it may take longer (Saturday, Sunday, and Holidays aren’t considered business days).

There are cases where your payment could be sent as an eCheck, even if you’ve added both a bank account and card to your PayPal account because our internal security system has intervened.

We put security measures in place to review transactions before they’re sent out to protect all parties involved.

The payment may show “pending” in your PayPal account. You'll be able to confirm it's an eCheck payment once you open the transaction details. Here you'll also find the expected payment clearing date. 

If there’s insufficient money in your bank account or your bank declines the transaction when we attempt to complete the eCheck payment, we’ll try again within 3 business days. If the payment is declined a second time, we’ll cancel it. Remember, your bank may charge a fee for declined payments.