Paypal changed their account rules back in Feb. 2019. The change basically requires you to create a cash account on their system, if you want to use Paypal money to make purchases. Otherwise, they take the money from your linked bank account or credit card. I only noticed this when I logged into Paypal and a message popped up asking me what I wanted to do with the money I had sitting in Paypal. I had assumed that this money was being used for my purchases, but that was not happening. I checked my bank account, and sure enough, there were several transactions for items that I had recently purchased on ebay. Rather than create a cash account on Paypal and give them my social security number, I decided to transfer the small amount of money I had sitting there to my bank account. Standard transfers are free. Going forward, I assume that if I receive money on ebay, I will have to log into Paypal and transfer the money to my bank from time to time. If you read the Paypal terms and conditions, it’s hard to figure out what actions to take. And to make things even more confusing, Paypal has two types of cash account to choose from, depending on how you want to use the account. We will see what happens after the existing eBay-PayPal agreement ends in 2020. At that time, PayPal will cease to process card payments for eBay, and eBay will start using a new payment system.