6/9/26 PayPal: Thank you for patiently waiting. My name is Geline through live chat, and I am here to help. Please leave your message and your inquiries and I will do my best to respond as soon as possible. Have you seen what I've already posted? Ge Cam=m you tell me the date and amount of the transaction? 6/5/26, 10:44 AM Payment to eBay Commerce Inc. Completed $252.37 USD Ge Thank you for sharing this information with me. I found it. Though it's already completed, you may need to call the bank directly and ask them to stop the payment so you can place another payment using the desired bank. We just couldn't cancel it from our end. I personally apologize for that. Miss, I'm not contesting the charge. My problem is that I did not want payment to come from Chase but from my PP account which had sufficient funds! This has been happening since Dec 2025. I want it stopped. Why are funds coming from Chase/Visa/debit when I have sufficient balance in PP? This since Dec 2025. I did not request this ever. Ge I understand that. However, in order to charge you to your desired payment method it has to stop, but we can no longer stop it. The only way is to stop the payment from your Chase, so you make another transaction using your balance. Thanks for that but, as I said, I'm not contesting the charge. What I want is to pay with my PayPal balance when funds are available, as they were on June 5. Sorry if I'm not clear - people sometimes complaint of that.. complain ---------------------- @ 14:01 PP: Let me review it further because it looks like your eBay account has a preferred method to pay as well. So, if for example you have chosen a specific method the first time you used them or in your previous transactions with eBay, the system will use it unless you've changed the settings before you initiate the transaction. In the future, to avoid this, you may need to call the eBay and ask to use your PayPal balance first when purchasing online transaction. I'm still here. Are you there? You seem to be inactive, are you still there? If there is no response, this chat will be closed in 2 minutes. hi, computer crash, wot? --------------not sent------------- I can wait so long as 1) ther agent is live/warm 2) carbon-based a-and 3) not cabron-based. ------------------------------------------- ============== Good afternoon, Berg! Did you know that PayPal Assistant can help you resolve most of your issues quickly and efficiently? Just let us know how we can help! agent I can help you connect with an agent. What kind of agent would you like to speak to? a live one, if you please. Would you like to chat with a Customer Service agent? Estimated wait time is up to 6 minutes. I can wait An agent has joined the conversation and is reviewing your details. Thank you for your patience—they’ll be with you shortly. ==================== ella from PP 6/9/26 Ea Hi , we appreciate your patience while waiting for our response. This is Ella from PayPal and I'll be assisting you for today. How can I help you? Hi, was dealing, if that is the right word, with a Geline. Her last message, before my computer crashed was: "Let me review it further because it looks like your eBay account has a preferred method to pay as well. So, if for example you have chosen a specific method the first time you used them or in your previous transactions with eBay, the system will use it unless you've changed the settings before you initiate the transaction. In the future, to avoid this, you may need to call the eBay and ask to use your PayPal balance first when purchasing online transaction." I can forward you the rest of transcript. Ea Thank you for the information. May I ask what exactly would you like to do? 6/5/26, 10:44 AM Payment to eBay Commerce Inc. Completed $252.37 USD I'm not disputing the charge. My problerm is that pasyment came from Chase/Debit/Visa. NOT my PP account! Though I had enough balance. I want to stop this. Transcript follows: Thank you for patiently waiting. My name is Geline through live chat, and I am here to help. Please leave your message and your inquiries and I will do my best to respond as soon as possible. Have you seen what I've already posted? Ge Cam=m you tell me the date and amount of the transaction? 6/5/26, 10:44 AM Payment to eBay Commerce Inc. Completed $252.37 USD Ge Thank you for sharing this information with me. I found it. Though it's already completed, you may need to call the bank directly and ask them to stop the payment so you can place another payment using the desired bank. We just couldn't cancel it from our end. I personally apologize for that. Miss, I'm not contesting the charge. My problem is that I did not want payment to come from Chase but from my PP account which had sufficient funds! This has been happening since Dec 2025. I want it stopped. Why are funds coming from Chase/Visa/debit when I have sufficient balance in PP? This since Dec 2025. I did not request this ever. Ge I understand that. However, in order to charge you to your desired payment method it has to stop, but we can no longer stop it. The only way is to stop the payment from your Chase, so you make another transaction using your balance. Thanks for that but, as I said, I'm not contesting the charge. What I want is to pay with my PayPal balance when funds are available, as they were on June 5. Sorry if I'm not clear - people sometimes complaint of that.. complain Ea I understand. One moment please as I check on your account. This from minutes ago. Do you need more? Ea Thank . Please bear with me. I see that your payment preference on your PayPal account has always been your PayPal balance since 29 Dec 2021. In this case, where the payment to ebay was drafted form your checking account, you will have to check with ebay about your payment preference on their system. Adding a new payment method Go to Payments - opens in new window or tab in My eBay. Select Add payment option. Under Select payment option, select Credit card or Bank account. Select Continue. ... Select Preferred for selling costs, and then select Add. OK Question: I delinked my banks from PP. If I buy again through eBay, what happens? Next question: This happens with other places I buy from. Many or all payments seem to gravitate to my Chase account. Since Dec 2025 Ea It will still depend on ebay payment system, Berg. That's why it is important for you to coordinate with ebay to ensure that your payments will not go through your bank. It also goes the same way with the other websites or online purchases. You will have to check with their customer service about the payment preference they have set for you. OK but 1) this happens with other sites 2) I've removed my bank links from PP. Am I safe buying again? Ea Yes, definitely. 3) eBay tells me, the problem and its resolution are at your PP end! They said this yesterday. Can you explain how, when an eBay payment is made showing PP involved, PP then transfers the charge to my Chase account? Even though funds are available. See example of June 5. When $2t50+ were passed through PP to my Chase account. $250 6/5/26, 10:44 AM Payment to eBay Commerce Inc. Completed $252.37 USD How can eBay be involved in this case? Ea As I mentioned above, even if PayPal has a set funding source on your account, ebay also has a separate funding source system of their own that they use to process your payment, What does that mean? I don't understand. How can a payment from PP, approved, then be charged to my bank. How can eBay be involved once the charge has shown up on my PP account AND I have funds? Why did PP, and on whose authority, retransfer an incoming payment? incoming charge I've been buying through eBay for over 2 decades. This has never happened before. Only since Dec. 2025. As I mentioned above, even if PayPal has a set funding source on your account, ebay also has a separate funding source system of their own that they use to process your payment, Jun 9, 2026 2:31 PM What does that mean? I don't understand. How can a payment from PP, approved, then be charged to my bank. How can eBay be involved once the charge has shown up on my PP account AND I have funds? Why did PP, and on whose authority, retransfer an incoming payment? incoming charge I've been buying through eBay for over 2 decades. This has never happened before. Only since Dec. 2025. Jun 9, 2026 2:42 PM ------------ problem, interruption, resumed ------- eBay uses its own payment processing system (Managed Payments), but buyers can still select PayPal as a checkout method. Once eBay receives the PayPal payment, the order is approved. If PayPal later charges your bank, it is because of an agreement or routing rule you have inside your PayPal wallet, not because of an eBay action OK. Now we're getting somewhere. I want to cancel any such things. I see that you have an existing subscription to ebay. Would you like to cancel? Jun 9, 2026 2:47 PM Please do whatever it takes to revert my account ststus to the pre December, 2025 status. ======================= to end of chat w. PP's cust serv. ========= Once we cancel this automatic payment, this will remove PayPal as a payment method for eBay. You can reset it up directly with the merchant at any time. Ready to cancel? No. I just want any charges from eBay coming in to my PP account to be paid by PP. As before! And not be passed through to my bank. As this can cause me problems with rent payment. You mentioned "routing rules" without this routing rule, does a payment requested by eBay stay with PP? Routing rule since you have an active automatic payment to ebay Jun 9, 2026 2:53 PM Please answer question. If the routing rule is removed, when a payment request from eBay come i n, who pays? comes in f your routing rule is removed, the responsibility for paying the incoming payment request depends entirely on who initiated the transaction:Essentially, removing a custom or third-party routing rule (such as a gateway or auto-withdrawal rule) means the transaction defaults to the standard eBay native payment processing setup Your bank account was likely charged instead of your balance because the eBay transaction was processed as an automatic payment/billing agreement. OK. Let's take a chance on that - remove it! A-and what other "routing rules" do I have lurking in my PP account, pray tell? That's why it is important for us to cancel your existing, active subscription to ebay. An automatic payment, also known as a subscription, billing agreement, or recurring payment, allows you to save PayPal as your preferred way to pay with a merchant, including for any transactions scheduled in advance. You can set up an automatic payment with a merchant during checkout, and the terms are available to view in your PayPal account afterwards. When checking out with certain merchants, you can choose to save your PayPal wallet for future purchases. We keep track of where your PayPal account is saved, so you can manage your payment preferences. For more information on automatic payments, please visit our user agreement. Here’s how to find your automatic payments on the PayPal website: Go to Settings. Click Payments. Select Subscriptions and saved businesses or Automatic Payments. Select the merchant. On this page, you can cancel the automatic payment and change the backup payment method. Most automatic payments allow you to assign a specific payment method when you set them up. It means that this specific payment method will be prioritized for making the relevant automatic payment, even if you’ve chosen a different card or bank as your preferred way to make general payments with PayPal. Here's how to change the payment method for automatic payment: Go to Settings. Click Payments. Select Subscriptions and saved businesses or Automatic Payments. Select merchant. Select Change Payment Method. Select a new payment method or click Link a new card or bank. Click Save. Contact information for your merchant can be found in the automatic payment. To update your automatic payment method on the app: Tap the Menu icon (three lines). Tap Subscriptions, Linked Businesses or Pay Bills. Tap the merchant to view or update. You can update your preferred payment method. To remove a payment method on the app: Tap the Menu icon (three lines). Tap Subscriptions, Linked Businesses or Pay Bills. Tap the merchant to view or update. Tap Account or Manage. Select Change or Link a Card or Bank or select Stop Paying with PayPal. Tap Unlink to confirm the cancellation. In the U.S., you can also link your PayPal account to select merchants by setting up an automatic payment agreement directly in the PayPal Consumer App. This allows you to check out faster when shopping with those merchants. To set it up, go to the Subscriptions or Linked Businesses page in the PayPal app. Tap +, select a merchant, and follow the prompts to set up PayPal as your payment method on the merchant’s site. Can you answer the second part as well? Once we cancel this automatic payment, this will remove PayPal as a payment method for eBay. You can reset it up directly with the merchant at any time. Ready to cancel? Jun 9, 2026 2:58 PM Kindly follow the steps I have sent to you above in order for yout o find the other automatic payments you have on your account. Have you removed the rule for eBay at least? The automatic payment with "eBay" has been canceled Before I stop pestering you, one last question: Jun 9, 2026 3:04 PM Is an "automatic payment" different from a regular payment? And what was/were my payment status(es) before that fateful day, sometime in Dec. 2025, when things changed for me? Yes. A regular (or one-time) payment requires you to manually log in to PayPal and approve every single transaction. An automatic payment (also called a subscription, recurring payment, or billing agreement) allows a merchant to charge your account automatically for future purchases or scheduled bills without requiring you to log in. [1, 2, 3] Unfortunately, we can no longer back track about your payment status before 2025. It will no longer show on the system. My apologies. Answer to last question, please. Then, I'll leave... Unfortunately, we can no longer back track about your payment status before 2025. It will no longer show on the system. My apologies. And, by the way, I can see that your account is a business account. If you don't mind me asking, are you on a business of selling physical items or are you providing services? The reason why I'm asking is because PayPal offers a lot of free and great features that you can activate on your account. We can find a payment solution that works best for your business such as the invoicing. Can I send the details to the email address registered on your PayPal account? How about in 2025? Jun 9, 2026 3:09 PM In 2025, that is when you have started to set your PayPal balance as your payment preference. I was told the change was made in Dec. 2025. Does yr system store that far back? You said "before 2025." Not what I asked. I have provided all the information that you need and that is only visible on my end. I apologize. This is my answer for "before 2025" - Unfortunately, we can no longer back track about your payment status before 2025. It will no longer show on the system. My apologies. And this is for 2025 - In 2025, that is when you have started to set your PayPal balance as your payment preference. I hope I am making this clear. Please answer yes or no. Does yr system store customer payment status in Dec. 2025? If not, then what is cutoff date? Thanks. Answer that and I'll not trouble you further... Jun 9, 2026 3:14 PM No. There is no particular cut off date but we can only provide information that is visible on our end. If everything's covered, thank you for cooperating with us; you can close this chat box from your end, we appreciate your time and patience. Have a great day!--- Thanks. Bye. It was good to have you on the line.