PayPal uses a process called ACH (Automated Clearing House) to clear transactions with various financial institutions. This process can take three to four business days, even though your account is debited immediately.
When you select to withdraw money from your PayPal account, PayPal understandably, places the funds on hold and debits them immediately – they know you’re expecting to make a cash out, and would rather ensure that the funds are there than bounce a your request down the line. The entire withdraw process then takes up to four business days before zPesa has the funds and can place them in your account.
So while PayPal debits your account immediately, zPesa won’t provide the withdrawal, understandably, because we don’t yet have the cash in hand yet from PayPal. Once it is, zPesa will credit you immediately.