PayPal.... Why have all my payments suddenly become e-cheques & not instant transfers?

[saltcod]

Hi, hope someone can help. Been using PayPal & eBay for a few years. For some reason, my last 3 purchases where I've paid by PayPal have gone through as eCheques & taken days to clear. Why has it suddenly defaulted to this & how do I change it back to transfer instantly from my bank account? I'm a verified member & I've tried using the help pages on PayPal - they just say I should be able to select a radio button to choose instant transfer or eCheque, but the only button I get now is the eCheque one. It's a real pain!

[kittypants]

is it because your paypal account is unfunded so its going from bank account?thats what mine does if account is empty or not enough for total.

[saltcod]

but it never used to do this.... I've never kept any funds in my PayPal account... is this a new thing then ?

[Aimsmum]

Message withdrawn

[Hayls]

I had this recently. As far as I remember it was because my back up source of funding had expired (credit card). IT means that you don't have back up form of payment (I think)

[divamumplus]

yep, i had this and called paypal with anger. they told me although im paying it from my bank account, my card registered with them was expired. i think i was given a new card last year and forgot to change it.
as soon as changed my card details i was back to instant payment. they dont explain well do they?
hth,

[saltcod]

ah, makes sense now... had a reminder from eBay that my card expired end of Feb. Knew I could rely on Mumsnet for the answer! Thanks everyone