PayPal Payment Help

bwatt72 on 24/02/2018 - 10:33
Last edited 24/02/2018 - 10:51 by 2 other users

I paid for an item yesterday from Japan wanted to benefit by using my Citibank fee free card and let them charge me through my PayPal but also use balance that was already in account.

After doing so I see no pending on my card and no PayPal balance used?

This morning when I get up I notice on my order with Japan retailer it says pre approved. I look on my PayPal account my PayPal balance was used which is great, but they say they take rest from my bank account which is not good, as I don't have enough funds in there to cover it. It says how much is or will be taken from my bank account and under that my back up payment which is my card I wanted to use all along.

So how do I know what's happening and if I have time to add funds into my bank account or am I too late are they going to charge a fee or just try my card I had already selected first place? I know normally PayPal payment take few days to go through or show up or be taken from your account but im really confused right now where my money should be to pay for this.

Yes the balance is already used, but I'm going to be like $40 plus short in my bank account as it was not the payment method I had selected, it was my card with another bank. I could go take that money from card I said to use and pay into my bank account but is it too late?

If the buggers did what they was supposed to, PayPal balance and card I wanted to use, all would be fine and not only that I would have been fee free. But as they have selected themselves to take from bank account this ends up more as its not fee free. My issue is my payment where should it be right now in my bank account or in my card as back up as i never even selected to use my bank, PayPal did. Now I'm worried my bank has already failed but no sign yet or on PayPal. I go take money from this card add to bank and then find the went to back up.

I'm confused.

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• 

  [Deactivated] on 24/02/2018 - 10:40

  +2

  TL;DR
  Probably invest in some commas.

  

  [Deactivated] on 24/02/2018 - 10:40 (Collapsed - Offtopic. Show)
  • 

    Baysew on 24/02/2018 - 10:56

    +1

    TL;DR PayPal mind reading failure.

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  Quantumcat on 24/02/2018 - 10:52

  +4

  You need to select the credit card when you make the PayPal payment. For now, add money to the account that PayPal is linked to.

  • 

    bwatt72 on 24/02/2018 - 11:21

    I have both citibank and westpac bank account set up and these same cards with bank are also in my paypal.
    As i did not have enough money to cover payment on card used i paid money into my paypal balance.
    So really it should have been money taken from balance and rest from card.
    But instead they have taken from yes balance and rest from my bank the bank account i dont have enough to cover it.
    I never selected or asked them to take from my bank account but my card as obviously there was funds in there to cover and due to it being fee free and overseas payment was reason.
    But now im unsure where money will end up coming from it says my bank account and under that card as back up.
    Do i leave as is as money will be added to my bank account on monday or do i take money from my card i asked them to use which is also a bank account.
    Or as said am i too late as it will come back as failed? Then they will try my card as back which means i will have taken money from it and also be short.
    Hope im making sense.

    • 

      Quantumcat on 24/02/2018 - 11:24

      The default is 1. PayPal balance then 2. Bank account, they'll never take from your credit card unless you select it at checkout or have no bank account linked

      If I were you I would move enough money into that account asap, if you have another account with the same bank you can use online banking now or if not you should go into a branch of the bank whose account is linked to PayPal first thing on Monday and do the transfer there with cash to make sure it is instant (otherwise could take a day or two if you do it online).
      Not sure what happens if it bounces - they might go to the card then. But that would give you a dishonour fee on your account which you would want to avoid if at all possible

      • 

        bwatt72 on 24/02/2018 - 11:38

        But i did select my card as payment at checkout and yes they took my balance but never took rest with card i selected.
        So as they decided to take remaining amount from my bank account im $40 something short.
        What does this mean am already buggered and bank will fail it or already has but due to weekend nothing happened yet and i get charged a fee.
        Or should i go to my bank and pay money in asap but aint i already too late?
        Or are they going to get failed from bank and just jump go to my card which is what i selected all along.
        The reason i selected my citibank card as payment was to allow my card to make the conversion and and not paypal but they have taken from my westpac bank account which i dont have enough in there and i will be charged maybe a fee for not enough funds and due to being an overseas payment fee for that also.
        If they just used my balance and card i selected there be no issues.
        Now this whole mess might end up costing me more possible failed payment,charges from bank and or possible well fee as overseas payment.
        Why did they not use what i selected.
        My problem now is what should i do?
        I have the funds but bank account is short but have money in the other which is why i selected this card in first place.

      • 

        bwatt72 on 24/02/2018 - 12:06

        I was thinking of going to bank today adding money into my bank account to cover money short but am i not too late? You said monday but if it's already been done with paypal am i not too late now.
        If i am then i get a fee which i dont want.
        But if they then go to my other account which i had seleced which card to use then i be short there as well, as it was all planned for just my balance and card.
        I know funds is being added to my bank account monday but it might be too late then if not already too late.
        But i can add some today but am i not already too late.
        Due to paypal not doing as asked i may have a overdrawn fee or and possibly a fee for paying overseas which is reason i picked card from other bank fee free

      • 

        Quantumcat on 24/02/2018 - 13:02

        @bwatt72: bank payments take a few days to go through, so if you do it first thing Monday you should be fine, as long as you use an instant method. If you don't see it in your electronic banking it won't have happened yet. I guess you must have missed something in the process - it is the first time I've heard PayPal ignoring your selection! Maybe you made the selection, pressed back then forward, and it reset the choice?

      • 

        Ughhh on 24/02/2018 - 13:12

        +1

        @bwatt72:

        Or should i go to my bank and pay money in asap but aint i already too late?

        If you transfer the money now asap, you might be too late

        If you don't transfer asap, then you will definately be too late.

• 

  bwatt72 on 24/02/2018 - 11:42

  -1

  My question is as they have decided to get remaining from my westpac bank account which is short, should i go put money in there right away or is damage alreafy done?
  Or should i leave the money in my card i selected first place which is a back up.
  I don't know if there is any point in putting money into my westpac bank account now or not.

  • 

    ronnknee on 24/02/2018 - 13:01

    Put money in it now and hope that both transactions get processed at the same time on Monday.

  • 

    Quantumcat on 24/02/2018 - 13:03

    If you don't then you'll get a dishonour fee for sure. Last time this happened to me (10-15 yrs ago) it was $40

• 

  bwatt72 on 24/02/2018 - 13:45

  Well looking at my westpac bank account it does not show any paypal payment taken off but then saying that from experience this normally takes a few days to show up.
  Is it a good sign that no paypal payment has shown up?

  I went to my westpac today tried to explain about paypal and having two bank accounts with different banks cards with these accounts.
  And i wanted to add money from my non westpac card by withdrawal and put into my westpac.
  I said it does not show a paypal come off my account yet does this mean if i pay in money im ok.
  I believe she said yes if not processed. And its normally done after 6pm?
  But how come retailer in japan has already sent item today few hrs earlier?
  Does this mean paypal has paid and they are grabbing the money off me.
  Last thing i want is a overdrawn fee charged so i wonder if i have?
  As its weekend normally not much shows online account anyway.
  As i took my money from the should be payment i selected in first place and put into my westpac bank account, i hope paypal dont now get failed payment and go to the back up card they should have used in first place as i used money from there.
  A simple instruction to paypal and they do there own thing and due to this i either get overdrawn fee or in the end a fee for overseas payment.
  The reason i selected card in first place.
  I should see how this plans out and demand either the overdrawn fee back from paypal or the extra i paid for overseas transaction for using another method to pay and not my selected payment.

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  bwatt72 on 24/02/2018 - 13:55

  There is an option to set a card when you pay to let card charge there conversion fees and having selected that card,which i did then as its free free as overseas purchase.
  I did it before once and worked great but im sure paypal get sneaky and change the setting so they charge you.
  I don't know why the never took payment from my card as selected as it was this and balance i had in paypal to pay right amount.
  Paypal suck most of the time but this is just a bloody joke.
  When you pay elsewhere or anybody else you dont get this hassle.
  I could have even used my fee free card at the retailers site and exclude paypal but i had funds in my paypal balance so wanted to use it also.

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  altomic on 24/02/2018 - 14:01

  is your name allan?

  • 

    bwatt72 on 24/02/2018 - 14:39

    No why