PayPal Issue on Charging your Credit/Debit Card instead of your PayPal Balance and How-to Instruction to Avoid it

I experienced it before and I'm afraid I'm going to experience it again. So I took extra precaution not to hit the same mistake, not actually the user's mistake but the PayPal's new website interface's.

PayPal Charging your Credit Card instead of your PayPal Balance

I fear It might still be happening if ever you're reading this because you experienced it too?

What's the issue here? The issue here is you have a PayPal balance while you have a Credit Card information added in your account. As per PayPal's self-help guide (see PayPal Payment overview and payment options ), PayPal should take your PayPal balance first before taking money from your CC but that's not what have happened in my experience last February 27, 2016 (see below):

PayPal charged my Credit Card instead of PayPal balance during beta

PayPal charged my Credit Card while I have a sufficient amount of money in my PayPal balance. Their Customer Support failed to resolve it because It's already too late. It frustrates me because I don't want an unplanned debt in my Credit Card bill.

As far as I can remember, PayPal can give you an option to switch back from their old interface where you can pay with your PayPal balance without adding up your Credit Card information. That's way back on their Beta release but It's already past that stage. If you did your own research and stumbled upon the link in you Google Search you see in the screenshot below, that link no longer works:

Sending Payment old interface link no longer works

Don't lose hope. They didn't remove the old interface. I found the new URL from their Sitemap. Read more below:

Manually Paying Using Your PayPal Balance without your Credit Card or Debit Card

As their Customer Support's response to the issue of disallowing you to continue your transaction if you don't have a Credit Card add-up in your account, It's already a rule in their system to add a Credit Card or Debit Card information (see support response below):

"I’m sorry to be the one to say this, but I’m afraid PayPal accounts need to have a card active on before being allowed to complete purchases."
"By default PayPal uses the PayPal balance to fund payments even if you have a card. If the balance is not available, I suggest that you give us a call so we can check what the problem is."

As of this writing, you can still get a detour by accessing their old interface, see following link:

No Longer Working:
https://www.paypal.com/[YOURCOUNTRYSYLLABLE]/webapps/mpp/send-money-online
https://www.paypal.com/ph/webapps/mpp/send-money-online

Working as of January 10, 2017:
https://www.paypal.com/[YOURCOUNTRYSYLLABLE]/webapps/mpp/send-payments-online
https://www.paypal.com/ph/webapps/mpp/send-payments-online

I happen to found the said working page from their Sitemap:

https://www.paypal.com/ph/webapps/mpp/send-payments-online

The link to Sending Payment old interface is at the very bottom of the page:

New Sending Payment URL link to the old PayPal interface

Click the "Send a Payment" button and it will direct you to their old web app interface of Sending PayPal payment:

PayPal Sending Payment old interface

Base from their Customer Support's response, you'll be forced to add-up your Credit/Debit Card information in your PayPal account so I recommend you to have your own CC. More likely, the old interface link I shared here will be gone soon. Just heed my

Hope this post helped you.

Thanks!

-
Otakore Literantadodist
January 10, 2017