paypal is almost instant. If they dont see it in their account, then something is definitely up. Are you sure its the correct seller/username? Contact ebay/paypal if you cant sort it out. The reason to you paypal is for security. Yes as soon as you make a payment the money cones off your credit card, but that doesnt mean its deposited into theirs, paypals holds it as such. If you havent recieved the item, you can always make a claim and have the money returned to your account.