Unlike credit or debit card payments, instant bank account payments aren’t immediately processed by your bank. Although PayPal processes these payments in real time, it might take 2-5 business days before the money is cleared. In other words, we couldn't confirm that your bank account will accept the payment.

Here are the most common reasons why your bank can return bank account payments:

• You don’t have enough money to cover the payment amount.
• The bank account has been closed.
• Bank details are incorrect or do not match bank records.

Here’s what can happen if the bank account payment is returned:

• Your bank may charge a fee.
• Your backup payment method might be used instead.
• Your PayPal balance could go negative.

What to do

• Make sure your bank account is active, confirmed, and accepts payments. If you have already tried to confirm your bank, it might take 2-3 business days. 
• Choose another way to pay. You can use a card or add money to your PayPal balance to complete the payment.

To manage your payment methods and select a preferred way to pay, go to Wallet.