wise2677 '

As a buyer without a credit card I have to use e-cheques, which can take up to twelve days to be processed.

then why not just pop a small amount of money into your paypal a/c as a balance, and use that to shop with, it is then INSTANT to the seller.  if the dollars sit in your bank ac or paypal really doesnt matter does it?  especially for small purchases, say under $100