It is your responsibility to ensure you have sufficient available funds in your account to process the PayTo payment. If there are not enough funds, we are not required to make the PayTo payment. If a PayTo payment isn’t made, you and the payment initiator are notified so appropriate action can be taken, which might include retrying the payment later.
The payment initiator will contact you to arrange an alternative solution and no record of the failed payment will be on your transaction history.