When I click on pay list, I get: (Setting up merchant relationships allows you to use PayPal for future payments made to these merchants. Currently, you have not set up any merchant relationships.) And my cc is not expired either. When I sent my last payment, e-check was the only option it would let me choose. I've not used paypal in a few years so I'm trying to get the hang of all of it again. But back then I sent instant transfers many of times. But now it won't allow me to do so. And paypal support is really not an option. They will just say something dumb like that's just the way it is. They are a joke anyway.