I sent an eCheck, but the payment is pending. Why?

An eCheck is an electronic funds transfer from your bank account to another customer’s PayPal account. It's used to fund a payment that is sent from your PayPal account. It's like writing a check, but you send it electronically. Your payment will show as pending until the echeck clears the bank. It usually takes up to up to 6 business days for an eCheck to clear and the money to appear in the recipient’s PayPal account.

If you are a buyer making a purchase or sending a payment, make sure you have enough money in your bank account to cover your eCheck payment. If there’s not enough money in your bank account, the bank will decline the payment and PayPal will request it a second time.

Next time, you can pay instantly from your bank, by adding a credit or debit card to your PayPal account. Adding a card will allow you to pay from your bank instantly while using it as a backup payment method.

When you send an eCheck, you’re able to see from which bank account your money is being transferred.

Once you click Send Money Now, go to the Summary page. There, you’ll see the eCheck payment as “Pending":


  • You cannot send an eCheck if the Instant Transfer option is available.
  • The full amount will always be requested from your bank.
  • If you send an eCheck that is canceled by the seller, the total eCheck amount will be refunded to your PayPal account in 6 business days once the funds clear from your bank.  
  • If you’d like to cancel an eCheck that has already cleared, please contact the seller directly to request a refund.

We’ll use cookies to improve and customize your experience if you continue to browse. Is it OK if we also use cookies to show you personalized ads? Learn more and manage your cookies