ebay 6/13/26 conv. on payment source: We appreciate you getting in touch today. To ensure I fully understand your concern, could you provide me the details? --------------------- I want to pay for items with my PP account ONLY. I tried to remove my bank but could not. What should I do? ------------------ 4:57 pm has joined the conversation I understand and I'll be more than happy to help you with your concern where you need help to pay from the Paypal account in order to purchase item, is that correct? yes, however my bank account keeps getting the bill even though I have PP funds. Last instance: June 5. 5:00 pm has joined the conversation Thanks for sharing. 5:00 pm has joined the conversation Thanks for the confirmation, it's helpful to get that context. Let's work together to get this resolved for you today. ------------------------ 5:01 pm has joined the conversation Could you please share me the bank account last 4 digit in which you keeps getting bills? --------------- 8057 ----------------- 5:02 pm has joined the conversation Thanks for sharing. ------------------ Lawson, upon checking the details, I can confirm that checkout was completed by using PayPal account, however, could you please confirm once that your bank account also added in the Paypal account? ---------------------- I do not understand. Please clarify. ------------- Just to confirm, have you added the bank account (8057) in the PayPal application? -------------------- Yes, that is correct., but I have not changed or added banks in years. Yet as of December 2025, many or all charges are going to my bank though I have funds in my PP. Latest example: Order date: Jun 05, 2026 Order total: US $252.37 Order number: 06-14738-86830 The fees went to my Chase account, a problem. This was a surprise. Please fix this. --------------- To get your issue resolved today, I'll need to transfer you to a specialist. I'll make sure to provide them with all the details you have shared with me. Is this okay? Screen shot of PP account balance available. I can send now. ----------- OK. Could it be when eBay tried to bill PP, PP reports no funds? Thus the automatic switch to Chase from PP for the charge. ------------------ 5:15 pm has joined the conversation I really appreciate your efforts, however, be assured, specialist team will resolve your concern. 5:15 pm has joined the conversation Okay, great! You'll want to remain on the chat while I transfer you through to one of my colleagues. ------------------ 5:16 pm has joined the conversation Thanks for contacting eBay Customer Service. My name is Adrian, and I'll be assisting you today. Please allow me a moment to catch up on your conversation so far. ----------------- Thank you for your patience while I caught up on the details, Lawson, and you hit the nail right on the head regarding how PayPal routes those charges! 5:18 pm has joined the conversation When you check out using PayPal on eBay, our system requests the total amount from PayPal, and if PayPal's internal settings or security parameters bypass your wallet balance, PayPal automatically pulls the funds from your linked Chase bank account instead. 5:18 pm has joined the conversation Because this funding preference is controlled entirely within your secure PayPal wallet dashboard rather than on eBay, you will just need to log into PayPal to set your wallet balance as your primary preferred payment method for online purchases. -------------------- Can you confirm that this is indeed what is happening? That PP is consistently reporting a $0 balance, causing eBay to bill my bank account regardless of the actual funds in my PP account? -------------- 5:21 pm has joined the conversation While I can see that the charges are consistently routing to your Chase bank account, eBay's system only receives a success or decline signal from PayPal and does not have visibility into the specific account balances or balance codes that PayPal reports during checkout. 5:21 pm has joined the conversation The automated routing happens entirely behind the scenes within PayPal's processing system based on their internal merchant authorization rules. 5:21 pm has joined the conversation To confirm exactly why your balance is being bypassed and to lock it in as your permanent default, a quick review with PayPal's support team or a check of your PayPal Wallet settings will give you the exact answer. ----------------------- Do you see a "decline" response from PP? Can you confirm this? ------------------------ To be completely precise, our system does not show a "decline" code because the overall transaction was successfully approved and completed using PayPal as the processor. 5:24 pm has joined the conversation What this means is that eBay sent the total request to PayPal, and PayPal instantly approved the transaction on their end while choosing to route the actual funding source to your Chase bank account. 5:24 pm has joined the conversation Since the payment went through successfully to the seller, eBay's system registers it as a completed transaction and cannot see the internal choices PayPal made to bypass your wallet balance. ------------------- OK, can you remove my Chase account from my list? It shows as "preferred for payouts." And "Last used for checkout." Is the category for my PP account. Why is Chase account showing as "pref. for payouts?" --------------------------- I can completely clarify why your Chase account is displaying those labels, Lawson! It shows as "preferred for payouts" because it is securely linked to your seller profile to receive funds whenever you sell items on eBay, which is a mandatory requirement for our platform. 5:28 pm has joined the conversation The "Last used for checkout" status appears because PayPal routed your last payment directly to that bank card behind the scenes, causing our system to log it as the final funding source used for that transaction. ----------------------- Can you change this? --------------- 5:29 pm has joined the conversation I can certainly help you change your purchasing preferences, Lawson! While I cannot alter or remove the Chase account from your seller payout settings since it is required for your seller profile, we can absolutely update your buying wallet to ensure it is not used for checkouts. 5:29 pm has joined the conversation I can guide you right now to your eBay Payment Settings page where you can set PayPal as your absolute default payment method for all future purchases. -------------------------------- This is a potentially grave problem as: (1) It has happened mysteriously. (2) The ultimate destination of payments is an account I use to pay rent! OK, lead me! --------------------- 5:32 pm has joined the conversation I completely understand the immense gravity of this situation, Lawson, especially since these unexpected charges are impacting your dedicated rent account! 5:32 pm has joined the conversation We are going to lock this down right now to give you total peace of mind and secure your banking setup. 5:33 pm has joined the conversation Here are the clear, step-by-step instructions to update your buying payment preferences: ------------------- 5:33 pm has joined the conversation 1. Click on the My eBay link at the top right of your screen and select Account from the drop-down menu. 2. Under the Payments section on the left side of the page, click on Payments to open your wallet. 3. Look under Payment options for your Chase account, click Delete if it is saved for buying, and then select Add payment option to select and save PayPal as your default checkout choice. [1] -------------------- Something else Since you didn't see what you needed, please rephrase how I can help. User agreement question, need changes and clarification. The eBay User Agreement can only be amended through mutual agreement between you and an authorized eBay representative who intends to amend the agreement. eBay may also change policies and terms by posting them on the eBay sites or Services, and these changes take effect when posted. You will be notified through the eBay Message Center and/or email, and your continued use of the Services constitutes acceptance of the amended terms. Show more Agent Sure, I can help connect you with an agent. Currently, you can: Have us call you Est. wait: 14 min Chat with an agent Est. wait: 13 min Have us call you Let's see if I can get one of our agents to help you. An agent can call to help you once you enter your phone number. Estimated wait time: 14 minutes Location United States +1 Phone number (32X) XXX-XX32 We may record and analyze this call to enhance the quality of our customer service, including by using artificial intelligence. Continue Cancel Continue Great! An agent will call you at (32X) XXX-XX32 in about 14 minutes to see how we can best help you. Consider checking your phone, as spam or notification settings may affect our ability to reach you. If you like, you can ask me something else while you wait. Your call may be recorded for training and quality assurance purposes. If you prefer not to be recorded, please contact us by another option. For more info, see our User Privacy Notice- User Privacy Notice. Hi Lawson! You're chatting with eBay.ai. I can help with any issues you might have, or connect you with an agent. We may enhance your experience and the quality of our customer service with artificial intelligence- How eBay.ai processes your data. Learn more about our privacy notice- User Privacy Notice. Let me know if you need help with Paying for items or something else. Paying for items Something else Something else Since you didn't see what you needed, please rephrase how I can help. agent Do you need help with Paying for items? Yes Something else Something else To connect you to the right agent, let me know what you need help with: Selling Buying Account Shipping and tracking Returns and refunds Fees and billing Fees and billing Sure, I can help you with questions related to Fees and billing. Which do you need help with? Selling fees Getting paid for items you've sold Setting up and changing your payment method for fees and selling costs More options... Setting up and changing your payment method for fees and selling costs The best way we can help is over the phone. Let us know what you prefer. Have us call you Est. wait: 2 min Chat with an agent Est. wait: 1 min Call us Est. wait: 1 min Chat with an agent An agent will be with you in 1 minute. Is that OK? Yes No Yes Great, one of our agents will join shortly. Leave chat 4:53 pm has joined the conversation Hi berghawkins, this is . I'll leave you both to it and come back once you're done. Thanks for contacting eBay Customer Service. My name is Rahul, and I’ll be assisting you today. 4:53 pm has joined the conversation Hello, before we proceed can you share your full name for account safety? hi Lawson Bergendahl ("Berg" as in Nuremberg) Hawkins 4:54 pm has joined the conversation Hello Lawson, hope you are doing good. 4:55 pm has joined the conversation We appreciate you getting in touch today. To ensure I fully understand your concern, could you provide me the details? I want to pay for items with my PP account ONLY. I tried to remove my bank but could not. What should I do? 4:57 pm has joined the conversation I understand and I'll be more than happy to help you with your concern where you need help to pay from the Paypal account in order to purchase item, is that correct? yes, however my bank account keeps getting the bill even though I have PP funds. Last instance: June 5. 5:00 pm has joined the conversation Thanks for sharing. 5:00 pm has joined the conversation Thanks for the confirmation, it's helpful to get that context. Let's work together to get this resolved for you today. 5:01 pm has joined the conversation Could you please share me the bank account last 4 digit in which you keeps getting bills? 8057 5:02 pm has joined the conversation Thanks for sharing. 5:05 pm has joined the conversation Lawson, upon checking the details, I can confirm that checkout was completed by using PayPal account, however, could you please confirm once that your bank account also added in the Paypal account? I do not understand. Please clarify. 5:06 pm has joined the conversation Just to confirm, have you added the bank account (8057) in the PayPal application? Yes, that is correct., but I have not changed or added banks in years. Yet as of December 2025, many or all charges are going to my bank though I have funds in my PP. Latest example: Order date: Jun 05, 2026 Order total: US $252.37 Order number: 06-14738-86830 The fees went to my Chase account, a problem. This was a surprise. Please fix this. 5:11 pm has joined the conversation Just to confirm, there is a sufficient balance available in your PayPal account? Yes, and there has been ever since this problem started. 5:12 pm has joined the conversation Thanks for sharing. 5:13 pm has joined the conversation To get your issue resolved today, I'll need to transfer you to a specialist. I'll make sure to provide them with all the details you have shared with me. Is this okay? Screen shot of PP account balance available. I can send now. OK. Could it be when eBay tried to bill PP, PP reports no funds? Thus the automatic switch to Chase from PP for the charge. 5:15 pm has joined the conversation I really appreciate your efforts, however, be assured, specialist team will resolve your concern. 5:15 pm has joined the conversation Okay, great! You'll want to remain on the chat while I transfer you through to one of my colleagues. 5:16 pm has joined the conversation Thanks for contacting eBay Customer Service. My name is Adrian, and I'll be assisting you today. Please allow me a moment to catch up on your conversation so far. 5:18 pm has joined the conversation Thank you for your patience while I caught up on the details, Lawson, and you hit the nail right on the head regarding how PayPal routes those charges! 5:18 pm has joined the conversation When you check out using PayPal on eBay, our system requests the total amount from PayPal, and if PayPal's internal settings or security parameters bypass your wallet balance, PayPal automatically pulls the funds from your linked Chase bank account instead. 5:18 pm has joined the conversation Because this funding preference is controlled entirely within your secure PayPal wallet dashboard rather than on eBay, you will just need to log into PayPal to set your wallet balance as your primary preferred payment method for online purchases. Can you confirm that this is indeed what is happening? That PP is consistently reporting a $0 balance, causing eBay to bill my bank account regardless of the actual funds in my PP account? 5:21 pm has joined the conversation While I can see that the charges are consistently routing to your Chase bank account, eBay's system only receives a success or decline signal from PayPal and does not have visibility into the specific account balances or balance codes that PayPal reports during checkout. 5:21 pm has joined the conversation The automated routing happens entirely behind the scenes within PayPal's processing system based on their internal merchant authorization rules. 5:21 pm has joined the conversation To confirm exactly why your balance is being bypassed and to lock it in as your permanent default, a quick review with PayPal's support team or a check of your PayPal Wallet settings will give you the exact answer. Do you see a "decline" response from PP? Can you confirm this? 5:23 pm has joined the conversation To be completely precise, our system does not show a "decline" code because the overall transaction was successfully approved and completed using PayPal as the processor. 5:24 pm has joined the conversation What this means is that eBay sent the total request to PayPal, and PayPal instantly approved the transaction on their end while choosing to route the actual funding source to your Chase bank account. 5:24 pm has joined the conversation Since the payment went through successfully to the seller, eBay's system registers it as a completed transaction and cannot see the internal choices PayPal made to bypass your wallet balance. OK, can you remove my Chase account from my list? It shows as "preferred for payouts." And "Last used for checkout." Is the category for my PP account. Why is Chase account showing as "pref. for payouts?" 5:28 pm has joined the conversation I can completely clarify why your Chase account is displaying those labels, Lawson! It shows as "preferred for payouts" because it is securely linked to your seller profile to receive funds whenever you sell items on eBay, which is a mandatory requirement for our platform. 5:28 pm has joined the conversation The "Last used for checkout" status appears because PayPal routed your last payment directly to that bank card behind the scenes, causing our system to log it as the final funding source used for that transaction. Can you change this? 5:29 pm has joined the conversation I can certainly help you change your purchasing preferences, Lawson! While I cannot alter or remove the Chase account from your seller payout settings since it is required for your seller profile, we can absolutely update your buying wallet to ensure it is not used for checkouts. 5:29 pm has joined the conversation I can guide you right now to your eBay Payment Settings page where you can set PayPal as your absolute default payment method for all future purchases. This is a potentially grave problem as: (1) It has happened mysteriously. (2) The ultimate destination of payments is an account I use to pay rent! OK, lead me! 5:32 pm has joined the conversation I completely understand the immense gravity of this situation, Lawson, especially since these unexpected charges are impacting your dedicated rent account! 5:32 pm has joined the conversation We are going to lock this down right now to give you total peace of mind and secure your banking setup. 5:33 pm has joined the conversation Here are the clear, step-by-step instructions to update your buying payment preferences: 5:33 pm has joined the conversation 1. Click on the My eBay link at the top right of your screen and select Account from the drop-down menu. 2. Under the Payments section on the left side of the page, click on Payments to open your wallet. 3. Look under Payment options for your Chase account, click Delete if it is saved for buying, and then select Add payment option to select and save PayPal as your default checkout choice. [1] --------------- 5:36 pm has joined the conversation Please take your time. I do not see a "saved for payment option" Can I send a screenshot? My Chase account says: "Pref. for payouts" My PP account says: "Used for offers and auctions" and "last used for payouts" Nothing else. For buying prefs. Checkout says: "PayPal" with my email adress added. ----------------------- 5:41 pm has joined the conversation Thank you for sharing those exact dashboard details, Lawson, as that confirms your buying preferences are actually set up perfectly with PayPal selected for checkout! 5:41 pm has joined the conversation Since your eBay wallet correctly defaults to PayPal, this means eBay is sending 100% of your checkout requests directly to PayPal, and the mystery switch to your Chase account is happening entirely inside your PayPal account's internal funding hierarchy. What now, then? 5:41 pm has joined the conversation To fix this so your rent money is never touched again, you will just need to log into your account at PayPal.com, go to your Wallet settings, and select your PayPal balance or a different card as your primary preferred payment method for online shopping. ----------------------------- OK. So I should fix things at the PP end ONLY? ---------- That is absolutely correct, Lawson, you only need to adjust the settings on the PayPal end to fully resolve this issue! Since your eBay dashboard is already correctly configured to send all checkout requests to PayPal, updating your funding preferences directly inside your PayPal wallet is the final step to protect your rent account. 5:43 pm has joined the conversation Once you lock in your PayPal balance or a preferred alternative card on their platform, you can shop on eBay with complete confidence. ---------------------------