Paypal lets you shop with millions of merchants online without exposing your financial details. Choose between funding your purchases with a credit card or money transferred from your personal bank account. Both eChecks and Instant Transfers are ways to pay with your bank account. Just like a regular check, it usually takes between 3 and 5 business days for an eCheck to clear and the money to appear in our PayPal account. With an Instant Transfer, the recipient receives the money right away. Orders paid for using the eCheck option will be slower because they aren't shipped until payment has cleared.