johnk's advice points the way. However, it is worth noting that when the seller marks the transaction as paid he/she becomes due to pay eBay's seller's fee. This may hold things up, but certainly you are OK vis-á-vis eBay who just issues a standard message to assist/protect the seller, they do not collect any money for sellers nor do they mark your account in any way unless the seller starts a "case" against you. You are covered as having paid by virtue of the payment record with your bank.