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Why is my PayPal Debit Card being declined?

You can manage all details by selecting your PayPal Debit Card on your Dashboard and clicking Manage.

If your card is being declined, check to confirm:

You have money in your PayPal balance – The PayPal Debit Card allows you to access the money available in your PayPal balance. 

If the payment declines and you don't have money in your PayPal account, try adding money from your bank, let it process, and try the payment again. Don’t have money in your balance? Here are some ways you can add money to your PayPal balance to use your PayPal Debit Card:

To learn about how to add money, visit the PayPal Debit Card landing page.

If you're withdrawing money at an ATM using your PayPal Debit Card, please make sure you have enough money in your PayPal balance to cover any fees. Please review the PayPal Debit Card Cardholder Agreement for fees.

Your card is active – You can activate your new card at any time.

Your card details are current – Make sure the card isn't expired or closed, and the billing address on your PayPal account matches what you're entering.

If your card status is showing expired or closed, don't worry.

  • Expired card status:

o   If the card status is showing expired and you have a physical PayPal Debit Card, a new card should be in the mail and delivered to the address on file.

o   If the card status is showing expired and you only have a digital version of the PayPal Debit Card, your digital card will automatically be reissued with a new expiration date.

  • Closed card status:

o   If the card status is showing closed, you can request a new card by visiting www.paypal.com/debitcard.

Your PIN is incorrect – If you don't remember your PIN, you can reset it in your account. Here's how:

  1. Log in to your PayPal account and click your PayPal Debit Card on the Dashboard page.
  2. Click Manage.
  3. Next to Debit Card PIN, select Edit.

The transaction amount is over your daily spending limit – The standard daily spending limit for purchase is $3,000.00 USD.

The PayPal Debit Mastercard® is issued by The Bancorp Bank, N.A. (“Bancorp”) pursuant to a license by Mastercard International Incorporated and may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Bancorp is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from PayPal.

PayPal is a financial technology company, not a bank. The Card is linked to your PayPal Balance account. See PayPal Balance Terms and Conditions.

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