Quick Answer: Instant Pay delivers funds in \~30 minutes for $1.99/transaction (free for Gold/Silver members). One withdrawal per calendar day, resetting at midnight PST. Auto-transfers happen every Sunday for free.
Details: Instant Pay requires a traditional debit card (95% eligible, prepaid cards NOT eligible). Opt in via payment settings. Standard transfers: 3-5 business days, free. Auto weekly transfers: every Sunday evening to default method, funds not withdrawn by then are included automatically. While "In Transit," funds can't be viewed or withdrawn. Withdrawals cannot be reversed.
Common issues: "Card not eligible" \= use a traditional debit card. "Daily limit" \= wait until midnight PST. "Funds unavailable" \= shift may still be pending.
When to Submit a Ticket: If instant pay failed with an error (include exact error text), or funds deducted but not received after 2 hours. Do not submit about the $1.99 fee — standard unless Gold/Silver.