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 than 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 issuer. Sometimes the information may take longer to be updated after a recent move.
Authorization 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 issuer to ensure the card is active. Your card issuer declined this charge.
What to do: Contact your card issuer to find out why the authorisation from PayPal was rejected. After they correct the problem, you may try to link 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 CVV code
You linked your card to your PayPal account but entered the card security code (CVV) 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.