i dont have checking just savings. here is the email i got from paypal. maybe this will help. i took off his name other then that this was the email.

You Have a Payment Pending!

Dear becky mcconkey,

This email confirms that his name has sent $48.25 USD to your Personal account.

To accept this payment, log in to the PayPal website and click the Accept button next to this transaction.

Transaction ID:

Shipping Information
Address:
139 Pintail Lane
Sanger, TX 76266
United States
Shipping Method:
Address Status: Confirmed


Message
Note: THIS IS WHAT I RECIEVED AFTER THEY TOOK WHATEVER % THEY TAKE OUT...

I have sold lots of stuff on ebay and when someone pays with paypal it is in my Paypal account instantly...HOWEVER, when I transfer it to my checking account from my paypal account it takes 3 or 4 days.

O'k you have to go to your account and click accept, the money will then show up in your paypal account.
After that if you have your checking/saving/debit card account registered at paypal you can then transfer the money to it, or if you want paypal will send you a check this takes a few days if you elect to have them send you a check.
I too use paypal and in fact have a paypal credit card/Washington Mutual.
I usually transfer it to my bank account however. But if you ever have a dispute on any item bought useing paypal they with issue the returned money to your debit card automatically if you paid with it.

just my experience with paypal.

Zip.

THAT IS ODD???????I'VE BEEN USING PAY-PAL FOR OVER 10 YEARS AND I DON'T EVER REMEMBER HAVING TO ACCEPT A PAYMENT FROM SOMEONE..ALSO PAY-PAL ONLY USES YOUR PAY-PAL ACCOUNT NAME WHEN E-MAILING YOU.I'D CONTACT PAY-PAL DIRRECT AND SHOW THEM THIS E-MAIL FIRST BEFORE SIGNING INTO YOUR PAY-PAL ACCOUNT FROM THIS E-MAIL..

I've never had to accept either, if they transfer its there. I had one guy send me money by accident one time. I've sent it out of my bank account and it does take 3-5 days sometimes

Also when I sent out of checking account it said pending untill it was in my paypal account.

wife called paypal today and got it figured out. thanks guys.