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Posted By: boxingcardman

I was having the same issue. If you do a lot of paypal transactions, they seem to shunt you into the echeck arrangement rather than allowing you an instant transfer if you use banked funds. By roving around the site enough you will eventually find a screen that says that they implement the echeck thing when you have a lot of transactions due to fraud concerns, but it is not easy to find the explanation.

If it won't let you use a credit card, you should also check your credit card data. I had a problem using my card last week and found that the problem was an expired card. Of course, the site doesn't just tell you that the card is expired--that would be too easy. It just refuses to let you use it.