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Why can't I link my credit or debit card to my PayPal account?

If you receive an error message when trying to link your card to your PayPal account, here are some possible reasons and solutions:

Different billing address

The billing address you've entered when linking a card to your PayPal account is different to the one on your card statement. As a security measure, you need to enter your billing address exactly as it appears on your card statement.

What to do: Check your card statement to ensure both addresses match. If you're sure you've entered the information correctly, contact the card provider. Sometimes, the information may take longer to be updated after a recent move.

Authorisation charge declined

When you link a new card to your PayPal account, we send a $1 USD (or currency equivalent) authorisation charge to your card provider to ensure the card is active. Your card provider declined this charge.

What to do: Contact your card provider to find out why the authorisation from PayPal was rejected. After they correct the problem, you may try to add your card again.

Limit of cards in account reached

You've linked 8 cards to your account.

What to do: Remove at least one card from your account. You can only have 8 linked cards to your account at once.

Card linked to another PayPal account

A card can only be linked to 1 PayPal account at a time.

What to do: If you already have a card linked, remove this card from your account, then link the new one.

Wrong CSC code

You linked your card to your PayPal account but entered the card security code (CSC) incorrectly 3 times.

What to do: Contact us. We can help you finish linking your card. We may ask you to provide some additional information.

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