Explain Paypal transfers from/to bank.

Different timing from paying and to upload founds.

[fischermx]

I have a paypal account with some credit cards and a bank savings account.
Usually, when I want to pay anything, the default founding source is the bank account. If I leave it, they will deliver an instant transfer from my bank account to the merchant.

But, why, if I want to "load" my account with my bank money, the same bank, it takes 3-4 days!?

What's the difference!?

[sun818]

The "instant transfer" is backed by your credit card which allows it to be instant. Whether you add or withdraw, the transfer time is the same.

[fischermx]

But if the money reaches the merchant same day ... does it mean, paypal "escrows" the payment, then?