PayPal payment problems can happen for different reasons—technical issues, account limitations, funding source problems, or security checks.
Here are steps you can try depending on the situation:
1. Check Common Issues
- Insufficient funds: Make sure your linked bank account, debit/credit card, or PayPal balance has enough money.
- Expired or declined card: Update your card details in Wallet.
- Outdated billing info: Ensure your billing address matches your bank/card issuer’s records.
- Internet/browser issues: Clear cache, disable VPN, or try another browser/app.
2. Check for Account Limitations
- Log in to PayPal and see if there’s a red notification banner.
- If PayPal has restricted your account, you’ll need to complete identity verification or provide requested documents under Resolution Center.
3. Verify Payment Source
- Make sure your card/bank is confirmed and active.
- Check with your bank if there are restrictions on online/PayPal transactions.
- If using PayPal balance, ensure it covers the full amount (including fees, if any).
4. Consider Location/Recipient Issues
- Some sellers only accept certain payment methods (e.g., PayPal balance or credit card).
- Cross-border payments can fail if restricted by the country or by PayPal itself.
5. Troubleshoot Step by Step
- Remove and re-add your card/bank account in Wallet.
- Try a different payment method.
- Use PayPal’s website instead of the app (or vice versa).
- Wait and try later (sometimes PayPal blocks suspicious activity temporarily).
6. Contact PayPal Support
If none of the above works:
- Go to PayPal Help Center (https://www.paypal.com/us/smarthelp/home).
- Use the Message Center or call them (phone number varies by region).
- Provide the transaction ID or error message for faster help.
If you keep getting declined and your bank says it’s fine, the block is often on PayPal’s side (fraud prevention). In that case, only PayPal support can clear it.