Issued refund via E Cheque - How long to clear?

[RedWineAllMine]

I recently refunded a buyer on eBay, using the refund buyer tab on the open case, however it did it by E Cheque which I didn't select! It now says it can take up to 6 days to clear etc, if buyer doesn't receive refund by then they can claim their money back via the Ebay money back guarantee which could effect my seller rating
I was baffled as to why it did this, but I realise it was because my bank card linked up to my PayPal had expired which I completely forgot about, so they used my bank account as default payment.
It's been a few days and still hasn't cleared yet. Does anyone know if E Cheque payments always go through? As I have the sufficient funds but am worried as to why it hasn't cleared yet.
Thank you dedicated Ebayers 😁

E cheques are totally random (and very annoying). They can take between 5-10 days I think.

But yes if your card has expired then that’s prob it (but they can come through at random also, I guess it’s some kind of anti fraud think). If you have the funds in your account, it will clear yes.

Great, thank you once again Lottie . And yes very annoying, as I didn't even get to choose how to pay back the refund.