Disable VPNs. Ensure your PayPal account is “verified” (linked bank account or confirmed email). Remove any negative balances. 7. Card Not Eligible for This Type of Transaction Certain prepaid cards, gift cards, or corporate procurement cards are not enabled for “card not present” transactions or peer-to-peer transfers. Some issuers block gambling, crypto, or adult content purchases. If PayPal’s merchant category code (MCC) is on your bank’s block list, you will see this error.
Check your available balance (not just the current balance) in your online banking portal. 2. Card Limit Exceeded Many debit cards have daily purchase limits or ATM withdrawal limits. Credit cards have credit limits. If you are trying to make a large single transaction (e.g., $3,000 for a laptop) and your daily limit is $2,500, the bank will decline. Disable VPNs
Log into your card issuer’s app and check your “daily spending limit” or “available credit.” 3. Address Verification System (AVS) Mismatch PayPal is obsessive about security. When you add a card or make a payment, PayPal sends your billing address to the card issuer. The bank checks the street number and ZIP code. If there is a mismatch – for example, you moved and forgot to update your PayPal address – the bank will issue a decline. If PayPal’s merchant category code (MCC) is on
Disable VPNs. Ensure your PayPal account is “verified” (linked bank account or confirmed email). Remove any negative balances. 7. Card Not Eligible for This Type of Transaction Certain prepaid cards, gift cards, or corporate procurement cards are not enabled for “card not present” transactions or peer-to-peer transfers. Some issuers block gambling, crypto, or adult content purchases. If PayPal’s merchant category code (MCC) is on your bank’s block list, you will see this error.
Check your available balance (not just the current balance) in your online banking portal. 2. Card Limit Exceeded Many debit cards have daily purchase limits or ATM withdrawal limits. Credit cards have credit limits. If you are trying to make a large single transaction (e.g., $3,000 for a laptop) and your daily limit is $2,500, the bank will decline.
Log into your card issuer’s app and check your “daily spending limit” or “available credit.” 3. Address Verification System (AVS) Mismatch PayPal is obsessive about security. When you add a card or make a payment, PayPal sends your billing address to the card issuer. The bank checks the street number and ZIP code. If there is a mismatch – for example, you moved and forgot to update your PayPal address – the bank will issue a decline.