^^^ I don't think it would have mattered. IIRC, if you have a checking account or credit card hooked up to PayPal it will pull the money out of that linked account. If you don't have a linked payment account (don't think this is even possible, actually), then you would have a negative balance that would be filled up whenever you received money into PayPal at a later time. Either way, you loose. Definitely sounds like she pulled a fast one. Sorry to hear about that, Sean. It's always a sad affair when someone doesn't pay up for delivered work.