What is the reason that paypal sometimes lets you do an instant transaction and soemtimes makes you write an e-check which takes about 4 days to clear?
I've used PP for 10 or 11 years now. I've always always always paid from my PP account. I've never had to, wanted to, or been forced to use another way to pay with PP.
Could it be with one, the user uses a credit card, and with the other, they don't have a cc so must pay from their bank account, a process which must be "Verified?"
There is usually an option below before you send money. Maybe I'm not clear on what you're asking but I've had that happen. I think Jim is correct...It's a cc verified thing.