When it comes to online money transfers, PayPal is not only the oldest but also one of the most reliable applications to use. It is easy to use and the security provided by it around your money transfers, naturally makes it the customer’s favorite.
However, like every other application, customers might come across some glitches when trying to execute a money transfer. One such issue that most users face frequently is the declining of their credit/debit cards on PayPal with message “The card you entered cannot be used for this payment. Please enter a different credit or debit card number.”. In order to solve this problem, you need to explore its causes. This problem can be caused due to several reasons which may or may not have a solution.
If you are constantly facing a similar situation in your PayPal application, here is a list of reasons that can cause the arising of such complications.
Contents
Logging in with a different account
People often panic in situations when their cards get declined in case of fund transfers. The majority of the time, this particular issue arises since the user logs in with a different account.
Every PayPal account has cards linked to it, which cannot be connected with a separate account. If you log in with credentials not linked with your respective credit/debit card, chances are that your card will be rejected. In solution to this, make sure you log in with the account your cards are linked with. In some cases, cards tend to get unlinked from your account because of which, you need to get them linked to the PayPal account again to make money transfers.
There are users who forget their login IDs with which their cards are linked. In such cases, there is an option provided by the application at the bottom of their login page to retrieve the credentials of the users. As a precaution, it is advised that you keep your account details saved to prevent such situations. For the users, PayPal has an option of auto-saving your credentials for you on your device so that you do not fall into such cases. Enabling this option can help you save the details of the account you have your card linked to. However, you can disable this option if you want.
The account linked to your card has been closed
Apart from entering the wrong details while logging in, another reason for your card being declined by the system might be that your account has been closed. When a user is inactive for a certain period of time, PayPal automatically closes that account or deems it inactive. In such a case, if you try to make a transaction from the deactivated account, your money transfer will fail. To prevent such situations, you need to be frequent with your transactions on the applications. Also, one of the reasons PayPal deactivates your account is because of some malicious activities. If the system of PayPal predicts or catches some illegal or malicious money transfers from your account, they disable until you resolve the situation, which is why you need to be careful while conducting the transactions.
After your account is deactivated, either you can create a new account for your fund transfers, or there is an option provided to reactivate your previous account. There are some protocols that the user needs to follow in order to send a request to PayPal for reactivating their account. After the request is submitted, their account is reviewed, and the legal team at PayPal decides if the account can be allowed to reactivate.
You have not yet confirmed your account
After creating your PayPal account, you need to link it to the card with which you want to execute your transactions. But the linking process alone is not enough for your account to function correctly. To make transactions without any complications, make sure you confirm the linking of your account to the card associated with your transactions.
PayPal sends a verification email to your account that needs to be completed in order to proceed with your money transfers. Often the users ignore such emails and tend to proceed without verifying their accounts. This process allows PayPal to confirm that your account is legit and legal for fund transfers and all sorts of transactions. If you haven’t yet received any confirmation email yet, you can request your confirmation mail again from the login page. This process can’t be overlooked, as it is essential for you to use the platform.
Exceeded card limit
Every PayPal account has a limit set for your transactions, which you cannot exceed. This limit is set by PayPal itself after reviewing your account structure and the duration for which you have been a part of PayPal. The limit for your account transactions are not flexible and can be increased or decreased depending on your account’s activities. So if your debit/credit card is being declined by PayPal for a fund transfer, chances are that your limit has been exceeded then the original fixed by the PayPal team
There are ways in which you can increase the limit for your fund transfers on PayPal. PayPal values its users and provides you with exceeded limits if you have comparatively more transactions than an average user. There are certain upgradations you can choose which have a lot of advantages, exceeded the money transfer limit being one of them. Also, with time, PayPal reviews your account and then decides whether to make an increment or decrement your transaction limit.
Suspicious email ID
PayPal has a unique system for verifying and observing your account transactions. In order to keep up with the companies reputation, PayPal cannot afford to let suspicious activities go on through their application. To counter this, PayPal has a system, which detects any fraud or illegal activities going through its system. If found, they mark that email id for further observations. After a certain number of illicit activities, that particular account is marked with a red flag, thus forbidding it to make any additional transactions.
These red flags can be removed from your email address if you talk to the PayPal executives. They send in your account for reconsideration, and then depending on their decision, you can resume your transaction process. If not removed, your account is banned from PayPal, and you need to sign up again using a new account for the application.
Whenever you use a browser to operate through PayPal, some cookies are generated which help the browser and the application to speed up the process of money transfers. Cookies are data stored in browsers that support the smooth running of applications. But in some cases, these cookies can block the application from carrying out your transaction.
Before making any transactions on the PayPal application, the user should ensure that all the existing cookies are already cleared so that they do not create any obstacles in the transaction process. To avoid this problem, users can use the application in the privacy mode of the browser. In this mode, the browser does not have access to its cookies, which is why they cannot interfere with the transactions that take place in the PayPal application.
Recommended posts for you:
8 Best Online Payment Alternatives to PayPal
How to Get Verified PayPal Account Without Using Credit Card
Things to Consider Before Jumping into Online Shopping
10 Reasons Online Shopping is mostly better than Stores
5 Ways Freelancers can Show Their Clients They Appreciate Them
