I get where you are coming from and their reasoning perplexes me - can't see how that procedure isn't frustrating and inconvenientn for them too - I wonder why?

Must be a reason.

Maybe they don't know how to combine?

The ionconvenience for the buyer here is that additional money is out of circuit for them whilst going through the process - tied up and can't be spent elsewhere.

I haven't figured out why, but sometimes my momey will come straight from my bank account and others if i don't select credit, I send an echeque which I refuse to do, so will then select the credit option (same card and same bank account - it is a debit crad/account - one option is processed as credit, the other as cheque) when i pay via the "credit" option, any refunds don't stop at PayPal, they immediatekly get redirected to my "card" taking another 2 ior 3 business days - so one refund recently, I had $260 floating around in cyberspace unable to be used

this works like this even for unclaimed payments.

recently made a payment of $105 - came up as unclaimed. I ended up cancelling it - but even though it left my account immediately, it took 3 more days to come back - in the meantime, seller said "fixed my account" I paid again - they hadn't - so now i had $210 just floating around somewhere unable to be used.