Paypal API "SALE" from credit card?

Question

API

If the intent is "sale" and there is not enough funds on the account from the debit/credit card, the transaction freezes in the Pending status, but the API returns the "Approved" status to the address for notifications of successful transactions.
With intent "authorize", the payment does not go through at all, because there are not enough funds on the account of the stick itself and the corresponding response to the address for notifications about deadlines.
Buyer's balance and checkout form:

API response:

[id] => PAY-9VD59644JG3152130LJ5NP7Q
            [intent] => sale
            [state] => approved
            [cart] => 92218227XS712373V
            [payer] => 
                [payment_method] => paypal
                [status] => VERIFIED
                [payer_info] => 
                    [first_name] => test
                    [last_name] => buyer
                    [payer_id] => MJA9PZBA7P3MU
                    [phone] => 0364000744
                    [country_code] => AU                  
            [transactions] => 
                [amount] => 
                    [total] => 300001.00
                    [currency] => RUB
                    [details] => 
                    [subtotal] => 300001.00
                        [related_resources] => 
                             [sale] => 
                                   [id] => 41X4634152521762D
                                   [state] => pending
                                   [payment_mode] => ECHECK
                                   [reason_code] => ECHECK
                                   [protection_eligibility] => INELIGIBLE
                                   [parent_payment] => PAY-9VD59644JG3152130LJ5NP7Q

From the seller:

This transaction cannot be canceled or refunded in the end.
How to be in that case?

Answer 1

In general, this is some kind of bug of the SDK itself on the puff.
Because with the help of a client checkout through their own JS, it is normally rejected.
To be sure, I applied authorization followed by a charge.
First, the user confirms the purchase intention by clicking the checkout link.
When I receive a token, I create a temporary form and open a dialog on the client, in response I accept the payment id and the amount.
After that, the amount is frozen on the user's account, and the payment freezes in the pending status.
I accept payment "manually" via API using the current checkout id.
If there are not enough funds in this case or the payment is rejected by the bank, the status will automatically change from pending to rejected.

Answer 2

If the payment has already been made, then wait 3-4 days until it is completed. The way out in general, I see this - to prohibit echeck payments