Apple not using my default payment method

I started a subscription this week from my iPhone 14 (by double-clicking on the side button as usual for purchases) and it was charged directly to my bank account. However my default payment is paypal (which is up to date/no issues). I have checked everywhere and I can’t find my regular bank account mentioned anywhere under payments so I don’t know why it didn’t get charged to paypal and how it went to my bank account. Why has it charged to my bank account? I’m up to date with 17.3 on my phone. Is there anyway I can change this charge to go to my paypal?