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Why is my PayPal Business Debit Mastercard® being declined?

You can manage all details of your PayPal Business Debit Mastercard® by going to your Dashboard. If your card is being declined, check to see if:

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.

Don't worry; a new card will be coming in the post if it's expired or closed. You can report the card as lost by going to your  Dashboard.

You have money in your PayPal balance – The PayPal Business Debit Mastercard® allows you to access the money available within your Business account. You can add backup funding by linking a bank that is used if you don't have enough money in your balance.

Here's how to add backup funding:

  1. Click your PayPal Business Debit Mastercard on your Home page.
  2. Click Link a Bank Account.

The backup funding feature may not be available depending on how often you use PayPal or if your bank has recently declined payments. 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. This will help build up a history of successful payments on your account.

If you're withdrawing money, make sure you have enough money in your PayPal balance to cover the fee. Section 6 of our PayPal Business Debit Mastercard® Cardholder Agreement discusses different fees.

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

Here's how:

  1. Click your PayPal Business Debit Mastercard on your Home page.
  2. Click Set PIN under 'Card Settings.'

The transaction amount is over your daily spending limit – The standard daily spending limit for purchase is $3,000.00 USD or its equivalent in your local currency).

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