Money would come from a paypal account, if not enough in the account then an instant bank transfer, then a registered debit/credit card, and finally an echeque. PayPal can be frustrating if you want to put funds in your bank account. To that end, PayPal is rolling out an instant transfer option in the US. Zelle's big differentiating feature was going to be instant bank transfers that are processed in minutes instead of days. Today, PayPal. PayPal can be frustrating if you want to put funds in your bank account. So an instant bank transfer is similar to a fast lotto ticket app transfer between banks or paying with a debit card, although taking days rather than overnight or immediately as with a debit card. How to Buy a Mattress. Looks like they are going to be doing the same thing Square does, next day free or same day for a small fee. PayPal only find out between day 5 and 7 if the payment clears.