I have a Visa debit card on my bank account and both are attached to paypal.

I also have a Mastercard credit card attached to paypal.

For the most part I use the debit card and it is immediate.  Every so often, paypal in their wisdom will make it an echeque and the seller has to wait.

I had been buying a number of items from a UK seller and he had been posting within hours of my payments....suddenly he started holding the parcels for 2-3 days so I asked why.  That was when I found out that paypal was playing games and sending echeques when I was using the debit card.  Even so, the Mastercard should have made it immediate, even if I did make a mistake and use the bank account.