Why can’t I link my credit or debit card to my PayPal account? (2024)

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) authorization 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 authorization from PayPal was rejected. After they correct the problem, you may try to add your card again.

Limit of cards in account reached

You have added the maximum number of cards allowed on asingle PayPal account.

What to do: Remove at least one card from your account.

You can link 4 cards to your unverified PayPal account. Whenyour account is verified, you can link up to 24 cards.

Card linked to another PayPal account

A card can only be linked to 1 PayPal account at a time.

What to do:You'll be able to add yourcard to another PayPal account once you've removed it from the account it'scurrently linked to. If your card is linked to an older PayPal account you nolonger use, consider closing your newer account and using the older one.

If you believe your card was stolen and linked toanother PayPal account without your knowledge, please contact us and your bankimmediately.

Wrong CSC code

You linked your card to your PayPal account but entered the card security code (CSC) 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.

Why can’t I link my credit or debit card to my PayPal account? (2024)

FAQs

Why can’t I link my credit or debit card to my PayPal account? ›

The billing address you've entered when linking a card to your PayPal

PayPal
With PayPal, you receive money when someone pays to your email address or mobile number. Once that happens, we'll send you a message letting you know you have money available. You can access the money you receive on your PayPal account home page.
https://www.paypal.com › cshelp › article › how-do-i-receive-...
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.

Why won't PayPal let me link my bank or card? ›

The bank account is already active on a PayPal account that has a limitation or a balance below zero. The bank isn't compatible for use with PayPal. This may include most online-only or prepaid bank accounts. The deposit amounts that you entered to confirm your bank account were not accepted by our system.

Why can't I link my credit card to PayPal? ›

You have entered a different billing address for your PayPal account than the one on your card statement. Your card is linked to another PayPal account. Your credit card or your company card did not accept the $1.00 authorization sent by PayPal when you attempted to add the card.

Why does PayPal keep rejecting my credit debit card? ›

Here are the most common reasons: Your card details are outdated. Make sure the card isn't expired or closed, and the billing address on your PayPal account matches the one on your card statement. The payment might exceed your available credit.

Why is my linked card not working on PayPal? ›

You've linked the card to a PayPal account, but have not yet confirmed it. You've exceeded your card limit with the PayPal system. Your email address is raising a red flag in PayPal's system. Your browser is not accepting cookies.

Why is PayPal not letting me add a card? ›

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.

Why won't it let me add money to my PayPal? ›

If you're unable to add money, your PayPal account may be limited, or you may need to verify your identity. Please contact PayPal customer service to resolve these issues.

How do I link a debit or credit card to my PayPal account? ›

Linking your credit or debit card
  1. STEP 1: Link from your PayPal dashboard. Once you've logged in, look for the Link a card button on your account dashboard and click on it.
  2. STEP 2: Enter your credit or debit card details. ...
  3. STEP 3: Add new credit or debit card.

How do I fix PayPal not showing my credit card? ›

No credit card option in the PayPal: How to troubleshoot
  1. Check your account type. The PayPal credit card option is only available for Business accounts. ...
  2. Make it optional for customers to have a PayPal account to pay. ...
  3. Verify your email address. ...
  4. Link and verify your bank account.
Aug 7, 2024

Why is PayPal not linking my prepaid card? ›

I'm trying to add a prepaid gift card to my PayPal account, but I'm getting an error message. In rare occasions, you may have to register your billing address with the card issuer. Look for a contact website or phone number on the back of your prepaid gift card to complete this registration process.

Why my debit card is not accepted by PayPal? ›

Contact your card issuer or bank for more information. Your card details are outdated. Update the expiration date or billing address associated with your credit or debit card. Your PayPal account is limited.

Is there an issue with PayPal right now? ›

User reports indicate no current problems at Paypal

A Paypal account can also be usedto receive funds or transfer money to other paypal users.

Does PayPal not accept credit cards? ›

PayPal allows you to make payments using a variety of methods including: Balance Account, a bank account, PayPal Credit, debit or credit cards, and rewards balance.

Why am I not able to link my bank account to PayPal? ›

The name on the bank account must match the name on the PayPal account. You can't link a bank account to more than 1 PayPal account at a time. Try removing the bank account from the PayPal account it's currently linked to. The bank account has already been linked to 3 PayPal accounts in the past.

What is the difference between linking a card and linking a bank on PayPal? ›

If you 'just' add a bank account then firstly your payments may go as 'echeques' and take 5-7 days to process through to the seller. HOWEVER if you have a back up card linked to your paypal account then paypal will credit the seller instantly and paypal will take the wait for any processing funds.

How to confirm debit card on PayPal? ›

How do I confirm my credit or debit card with PayPal?
  1. Go to your Wallet.
  2. Click the card you want to confirm.
  3. Click the Confirm Card link. (If you don't see the link, we've automatically confirmed your card and there's nothing else you need to do.)
  4. Review the information and click OK.

Why is PayPal asking me to confirm my bank account again? ›

If a future payment fails from your bank account, you may need to accept the Direct Debit Mandate again. If this is the case, you'll see a prompt to 'Complete setup' next to the bank account in your Wallet.

How do I link my bank debit card to PayPal? ›

To link a bank on the web:
  1. Go to Wallet.
  2. Click Link a card or bank.
  3. Click Link a bank account.
  4. Search for your bank or select it from the list.
  5. You can link your bank instantly by entering your bank login details. If the instant option isn't available, enter your bank account details manually and click Agree and Link.

Does PayPal link to bank account or card? ›

So you've signed up for your PayPal account and may have linked your credit or debit card to skip the hassle of typing your financial details each time you pay online. With PayPal, you can also add a bank account to withdraw any funds sent to your account.

Why is my PayPal not working? ›

Causes of PayPal Not Working

There are many reasons PayPal might not be working correctly. The site itself could be down, or you may have an unverified account or not enough money in your account. There's also a chance that you haven't confirmed your bank account or card.

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