Why is my PayPal Debit Card being declined?
Your PayPal Debit Card may be declined for various reasons. You can manage your Card by selecting your PayPal Debit Card on your Dashboard and clicking Manage.
If your card is being declined, check to confirm:
1. 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:
- Automatically add money on your own schedule or when your balance drops below a minimum threshold you select.
- Use Direct Deposit to add some or all of your paycheck.
- Add money as you go with your bank or other debit card, adding cash at a store, or by cashing a check with PayPal.
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 physical card is active – You can activate your new card at any time.
3. 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.
4. Your PIN is incorrect – If you don't remember your PIN, you can reset it in your account. Here's how:
5. The transaction amount is over your daily spending limit – The standard daily spending limit for purchases is $3,000.00 USD. There is also a daily ATM withdrawal limit of $400 USD, and a daily over-the-counter withdrawal limit of $5,000 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.
ATMs must display the Mastercard®, Cirrus®, Pulse® or MoneyPass® acceptable marks. Up to $400.00 USD daily withdrawal limit applies. Transactions at non-MoneyPass ATMs have a $2.50 ATM Domestic and International Withdrawal Fee. No fee for MoneyPass ATM Withdrawals in the U.S. International Transaction Fee applies for International ATM Withdrawals. ATM operator fees may also apply. See Cardholder Agreement for details.