What is an eCheck?

An eCheck is an electronic payment funded by the buyer’s bank account. An eCheck must clear the bank before it’s credited to the recipient. It usually takes 3 to 6 business days for an eCheck to clear and the money to appear in the recipient’s PayPal account.

Before you make a payment, make sure you have enough money in your bank account to cover the eCheck. If there’s not enough money in your bank account, the bank will decline the payment and PayPal will represent it a second time.

An eCheck will always be issued for the full refund amount since eChecks can’t be partially funded by a PayPal balance.

If you’d like to cancel an eCheck after it’s issued, please call your bank. If you’d like to cancel an eCheck that has already cleared, please contact the seller directly to request a refund.

If you are issuing a refund and don’t have sufficient funds available in your PayPal balance, an eCheck with the full refund amount will be issued. Note that an eCheck for the full amount will always be requested from your bank, since eChecks cannot be partially funded by a PayPal balance.