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Note: Using an e-check can take 4-10 days to clear your bank. Your order will not be processed until we receive notification that your e-check has cleared your bank.


Q: Why should I use an eCheck?

A: When you use eCheck, you don't have to have a credit card or alternate funding source attached to your PayPal account. In addition, using eCheck means you won't incur credit card debt, since the money comes directly out of your bank account. eCheck is like writing a check, only faster and more secure.


Q: What is an eCheck?

A: When you send money with an eCheck, the transaction will be held as "Pending" for 3-4 business days, until the electronic funds transfer has cleared your bank.


Q: How do I use an eCheck?

A: To use eCheck, just select it as your Funding Source when you send money.


Here's How:


  1. Click on the Send Money tab
  2. Enter the required information
  3. Click Continue
  4. Click the Funding Options link under the 'Source of Funds' heading
  5. Choose the eCheck radio button
  6. Click Continue
  7. Review the information on the Payment Details page and click Send Money to complete your transaction.


Q: When I make an eCheck payment, when will the money be debited from my bank account?

A: PayPal will send the request to your bank immediately. It will take up to 4 business days for the electronic funds transfer to be completed and for the funds to become available to the recipient of your payment.


If your bank initially declines the electronic funds transfer, the payment may be delayed for up to an additional 7 business days. In this case, the Expected Clearing Date listed in the recipient's transaction history will be updated to reflect the new date.


Q: Why does it take so long for my recipient's account balance to reflect my eCheck payment?

A: Because we must wait for the electronic funds transfer to clear your bank account, PayPal cannot credit your recipient's account balance immediately.


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