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Help Center > Payments/Payment status > Why was my payment declined? Troubleshooting tips

Why was my payment declined? Troubleshooting tips

If your credit card was declined, check to see if:

Your card is expired or out of date — if the card you have on your PayPal account doesn’t have your current billing address or is expired it will be declined. You can update your card's expiration date and/or your billing address quickly and easily in your PayPal account.

You need to confirm your card — your card may need to go through a confirmation process. If there’s no “confirm credit card” link on your card details page within your PayPal Wallet, you don’t need to complete this step.

Your credit card company or bank has more information — if the above steps don’t solve the issue, you can call your credit card company to identify the problem. To protect your privacy, your credit card company or card issuer doesn't tell PayPal why your card was declined. If you can still use your card, please try to make your payment again.

If your payment won’t process with your bank account or you’re still having problems with your card, try:
  • Changing your funding source at checkout. If you only have one funding source linked to your PayPal account, you’ll need to add another one before you can do this. You can add a credit card or add your bank account. Both options are quick and easy and will give you more flexibility at checkout.
  • Confirming your recipient’s email address or phone number is entered correctly. Make sure the recipient has finished registering for their PayPal account by confirming their information. A payment will fail if they haven’t completed these steps.
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