[drc]

I edited my post before I read your follow up.

What you said about funds is possible. I don't know. I don't use a credit card, but PayPal wouldn't let me pay in the first place if I didn't have sufficient funds in my account. They don't doesn't accept ghost funds.

But, as I said, it's sometimes PayPal's standard procedure to delay transfer even if nothing nefarious has happened. In many ways they're like a brick and mortar bank.

If there was a dispute with you as the seller, you would have been already clearly notified.