From my own personal experience having had the same issue and I also have one now is that each time it is PayPal that keep

on trying to take the money out of the buyers bank account and it's obvious that the buyer doesn't have any money in their account.

It's as if PayPal are willing to do this for the next 30 days.

If the first payment doesn't go through then why don't they just cancel the transaction and give our fees back seriously.