If the money has already been sent to the seller, they're going to either charge your other form of payment as rsot said, or your account will go into a negative balance.
The instant transfer goes through assuming that your check will clear. Most accounts don't have instant transfer as an option, and will be forced to wait the 3-5 business days.
If you paid with an echeck, it must have been an instant transfer. UNLESS the seller shipped the item before the echeck cleared. If this was the case the seller should have been given a warning message to not ship it. - Point being, the person who received the funds won't see this.
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