Is there a way to get shipping charges taken out of my pending money instead of bank accnt

Is there a way to get shipping charges taken out of my pending money instead of my bank account? I know one of these times it's gonna bounce from my banks end. I don't understand why they wouldn't automatically do this?

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I have mine put on a credit card in order to avoid the problem you mention, but I too don't see why eBay can't deduct the postage before sending the payout. "We charged your credit card because you didn't have enough in your eBay account". Duh.