Why did I get the PAYMENT_DENIED API response or my customer's card declined?

Typically, a merchant receives a PAYMENT_DENIED API response or card decline error when:

The payment was declined by the bank, card issuer or PayPal
The card is expired or the billing address is outdated
The buyer's PayPal account is limited
The buyer needs to confirm their identity with PayPal
The buyer needs to confirm their PayPal email address
The buyer needs to confirm their card

Due to consumer privacy laws and regulations, we cannot provide merchants with details regarding buyer payment declines. Please have the buyer reach out to their card-issuing bank or PayPal Customer Support for additional information.

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