PP is so shady because they make the eCheck as default payment if your account doesn't have ppal balance. In this way, PP does not pay CC fee and get to charge the recipient full PPal fee. Yay for them. Sucks for both buyer and seller.
whoa.. eCheck is totally different story.
I've had instances where payment was sent but Paypal held the money until I ship to item and 1 day after delivery. I thought this was the case here but eCheck is WAY different story.