It happened that you configured the payment in the paypal pay deadlines later to divide your purchases into comfortable payments, but you suddenly found an unexpected total collection in your account? This situation, although frustrating, is more common than you think and It may be due to several reasons, from technical errors to violating the terms of the service. But not to be alarmed yet, it is very likely that your money is safe and nothing bad is happening because of this payment in the paypal deadlines.
Unfortunately, I crossed this situation, so allow me to explain why it may have happened and What to do now that Paypal pays later has charged the total amount. Let’s go there!
Paypal Pay later: what it is and how it works
Paypal Pay later is a service that allows you Financia your purchases and pagals in taxes over time. In Spain, Paypal allows you to pay the total amount in 3 monthly terms. In the United States and other countries, the option of 4 biseptiman terms to be paid for purchase is offered.
The first payment is generally made at the time of purchasefollowed by the remaining payments with weeks or months intervals. Paypal does not charge interest nor adds charges for backward payments or registration rates.
It is not necessary that the stores explicitly offer Paypal then pays to pay a purchase with Paypal. Until your account complies with PayPal subsequent requirements And the purchase is greater than € 30 and less than € 2000You can opt for this funding.
You will simply have to choose PayPal when you pay the purchase and then choose the payment in deadlines or paypal later. What PayPal will do at that moment will be to pay the total amount to the shop and then stop the agreed deadlines (PayPal shows the financing plan before completing the purchase).
Why did PayPal serve the total amount of purchase if you have chosen to pay in installments?
If you have chosen to pay in terms with Paypal Pay later and charged you the total amount of the purchase, it may be due to several reasons. The most common is a failure of the service. Usually it happens when Choose PayPal Pay ahead in Aliexpress and you don’t have your PayPal account associated with a credit card. In this case, Paypal reserves the complete cost of purchasing and therefore uses a part every month.
Now, if you didn’t have a connected credit card, Paypal instead of reserving the card credit, book the available balance In your debt or paper account. Therefore, the purchase is carried out normally, paying the total cost with the paypal balance or the debit card.
It is also possible that a technical error of the system occurs, from which Informed in the Paypal Community forumIn which users experience the accusation of the total amount, rather than the initial rate, but is reflected as a “outstanding transaction”. In theory, This is a temporary authorization and will return the money in 72 hours (If they charged the PayPal balance) or 1 to 5 days (if they charged your bank account). However, these errors cannot be automatically corrected within the expected period.
You must also keep in mind that Paypal offers different PayPal payment methods e You may not have really chosen the wage later. If by mistake you have selected to pay with your account, balance or paper instead of the installment method, it is normal for the entire amount to be charged. On the other hand, It is likely that in your country Paypal does not offer payment in the deadlinesSo you will not be able to enjoy this service despite being able to choose it.
What to do if Paypal then pays all charged suddenly
If you arrived here it is because they charged you the total purchase you have chosen to pay in terms with Paypal and You are afraid of being accused again. According to my experience and reading the complaints of other users on the Internet, it is unlikely that this happens. Once the purchase has been charged, PayPal does not authorize new charges.
So you quit that definitely The worst thing that can happen to you is that Paypal does not give you the advantage of paying. Your purchase is insured and you will not undergo duplicate charges. Now, if you have chosen to pay in installments, it is because in reality you did not want to spend all your money, so it is normal that you want or cancel the purchase or ask Paypal to conform to the expiring payment. Here we summarize everything you can do in this situation:
- Cancel the purchase: You have to do it from the online store where you made the purchase. It will take a couple of days to reimburse your money, but usually there will be no problems.
- Complain in Paypal: If you do not want to cancel the purchase, but you want to return part of the money and make payment in real deadlines, your only option is to contact Paypal. They will hardly satisfy your application, but you don’t lose anything.
- Review the details of the transaction: Enter your PayPal account to confirm the payment method recorded for that specific purchase. If it appears as a normal purchase completed and does not say any payment in the deadlines, it is not necessary to worry. If he says “outstanding”, you have to wait a few days to change the state to do something. However, if you see that they have charged the total cost and yet it says the payment in the deadlines, communicate with Paypal and with your bank (if it is involved) to clarify the solution. This will avoid duplicate expenses.
- Grease your cards and the Paypal Momentary bank account: If even with everything above, you are afraid that they are charged in terms despite having already paid the total cost, you can eliminate your debit and credit cards from Paypal and even from you bank account. Therefore, there will be no risk of paypal unwanted charges on your account. You can associate them again when the first term passes and you have not received any notification from Paypal.
As a final recommendation, I advise you not to trust the next Paypal Pay option offered by some stores. In my experience, The ideal is to choose “Paypal” as a payment method and then select the payment option in paypal installments itself. In this way, there will be no confusion or operational failures. Paypal will pay the shop completely and you will charge you weekly or monthly.
