Buying something with PayPal when your balance is zero is a common scenario, and for most users, it won’t even slow down the checkout process. PayPal is designed to look past an empty balance and pull funds from your linked backup sources.
Here is what you can expect to happen when you click "Pay" with a zero balance. 1. PayPal Automatically Pulls from Your Backup
While PayPal itself doesn't charge you for having a zero balance, your . If PayPal attempts to pull money from a linked bank account that also has no funds: Buying something with PayPal when your balance is
If the bank rejects the payment entirely, they may charge a Non-Sufficient Funds (NSF) fee .
If no bank is available or preferred, PayPal will charge your linked debit or credit card. If no bank is available or preferred, PayPal
You received a refund request or chargeback after you already spent or withdrew the original funds.
A zero balance is fine, but a is something to resolve quickly. This usually happens if: and for most users
If your PayPal balance is empty, the system immediately looks for your .