with paypal, the person can spend money instantly, but it takes 4-5 days for the charge to clear on whatever credit card he has the paypal feeding from.

basically, if i have $0 in my paypal, i can paypal somebody $20, and the $20 will go to them instantly, and my paypal account shows -$20 and my card is charged, and then my paypal is balanced.

if you have his paypal addy, i can try to look up some information and get his phone number or full name, and we can get his address and do something about it. ill talk to you about it when i see you.