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Over the last year we have had a couple of customers that have had problems paying online though paypal. So we are going to write this blog post on the reasons credit cards get declined in paypal.
Quick guide to why your credit card has been declined in Paypal.
If you have a problem paying your paypal invoice .
1 Your bank may be blocking your card for use in paypal
answer
phone your bank to unblock your card
2 Your computer may be blocking your card for use of paypal
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Re- Boot your browser or try a different one Firefox/ Mozilla works best
3 lack of funds in account
answer
Rob a bank
4 Not a Paypal member Click here to join paypal
Answer
You do not have to have sign up to Paypal to pay Paypal invoice but sometime paypal decline payments if you are not signed up to Paypal
5 Check credit card expire date Click here Paypal Help
Answer
If paypal have details of expired card paypal will block all transactions until you update card.
You can phone paypal help line 08707 307 191 when asked say problem with payment and then yes
When a credit card is declined, it can be for the following reasons:
1. The credit card billing address you entered on your order does not match the files of your credit card company. The billing address is where you receive your monthly statement. If it does not match, it will sometimes be declined based on your credit card company’s policy. Please contact your credit card company and find out your correct billing address or re-enter your order with the correct address at your convenience.
2. The expiration date was entered incorrectly or an incorrect credit card number was entered. An incorrect credit card expiration date will cause your card to be declined almost every time. And, most certainly an incorrect card number will always be declined. Please re-enter at your convenience with the correct expiration date or card number.
3. Insufficient funds for a debit card, or your credit card has reached its allowable credit limit.
4. Some cards, especially debit cards have a “daily spending limit” imposed for security purposes. If you have reached that limit for the day, your card will be declined.
5. In some cases your card may be coded by the credit card company to not allow internet based transactions. This is particularly so for newly issued cards. Some credit card companies automatically prevent internet transactions from being made for a specific time after mailing to you in the event your card is stolen in the mail. Activating your new card after receiving it in the mail does not necessarily release the restriction immediately and may take several days before an internet transaction can be made successfully. Some banks will permanently restrict internet transactions until you tell them otherwise. Contact your credit card company and ask if your card is internet restricted. They can remove the restriction immediately.
Credit Card Is Linked or Associated with a PayPal Account
Many believes the credit card is not accepted by PayPal when using it not signing into PayPal account is that the credit card is already been used in a PayPal account. If you’re using a credit card that’s linked or assigned to a PayPal account, try login to PayPal during payment process. You can change the source of fund to make the payment after logged in to use credit card instead of PayPal balance.
Credit Card Is Previously Used in PayPal Account or Assigned in Closed PayPal Account
PayPal remembers a credit card details even when it’s already been removed from the account. The information also been remembered even if PayPal account which linked to the credit card is closed and deleted. In this case, try another credit card, or assigned the credit card to a PayPal account, and pay with account logged in.
PayPal Limit on Non-Member Credit Card Usage
According to PayPal source, there is a limit based on the number of times, the amount of the transactions, the type of merchandise being sold that a credit card can be used within the system without having to verify ownership by opening an account. The restriction is for security and fraud protection reasons. There is no workaround to this limitation, but you should be able to use another credit card. If there is problem, try using another email address. Else, register an PayPal account.
Credit Card or Email Address Raises Flag in the Transaction
Closely link to reasons above, where some part of the transaction raises flag on the server that stop the payment. Two possible flags are on credit card or email address. Try changing either credit card or e-mail address or both when attempting to pay again.
Cookies Problem
Try using another web browser and/or delete cookies and attempt to pay with PayPal gateway using credit card again.
Credit Card Is Not Confirmed in Account
Contrary to some of the reasons above, if the credit card has been linked to an account, but not yet confirmed, try to complete all credit card information such as Card Verification Number or Security Code, and confirm the card by entering the PayPal code shown on the credit card statement on special refundable charge by PayPal.
In all case, the problem won’t arise if you add the credit card to PayPal account, and use it as funding source to pay the transaction through PayPal account.
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