Why is my PayPal Business Debit Mastercard being declined?
There could be several different reasons you're seeing an error message or your payment won't go through. If your debit or credit card was declined, check to see if:
Your card is expired or out of date
If the card you have on file is expired it will be declined. You can update your card’s expiry date quickly and easily in your PayPal account.
Your billing address doesn’t match
If the card you have on file doesn’t have your current billing address, your card will be declined. You can update your billing address quickly and easily in your PayPal account.
If your card is in a lost/stolen or closed status, it will be declined. If you’re making an online purchase, make sure the CVV and expiry date you’re entering are both correct. If you’re making a transaction in person, confirm that you’ve used the correct PIN.
The transaction amount is over your daily spending limit
The standard daily spending limit for purchases is £6,000 GBP.
If you intend to withdraw funds from an ATM, please check that you have the funds available in your PayPal balance as back up funding is not available for ATM withdrawals.
3-D Secure Authentication
3-D Secure (3DS) is the secure protocol designed to ensure enhanced security and strong authentication for you when you use your debit or credit cards for online purchases. It is called, depending on the card type, “MasterCard Identity Check”, “Visa Secure” and, “American Express Safekey”. In the future when you transact, you may be asked to provide a special security code or to log into your online banking app by your card issuer to authorise your payment or add your card to a PayPal account. Card issuing banks have different methods of authenticating their customers, and therefore if you are not able to complete this you may need to contact your bank. Learn more about 3-D Secure