Why Can’t I Link My Debit Card to Paypal?

When it comes to selecting the most popular and the most secure payment method online, PayPal would be the one. PayPal is a globally-recognized online transaction solution that you can certainly rely on with confidence. It allows users to link their bank account, credit and debit card, or even prepaid cards to the PayPal account. You have to link your card to your PayPal account and confirm the linking with some steps to start transactions.

However, sometimes users complain that they are getting error messages while connecting their credit or debit cards to their PayPal account. If you’re also facing the same problem and wondering why can’t I link my debit card to PayPal, I’m here to help. Stick to the article to know why you cannot link your card to your PayPal account and how to overcome the error.

Why can’t I link my debit card to PayPal?

PayPal can be a great way to get secure online and bypass the necessity of putting in your card information while shopping online. If you’re wondering why can’t I link my debit card to PayPal, here are the reasons and how you can overcome them:

Why Can't I Link My Debit Card to Paypal?

Unmatched billing address

The most common reason for getting an error while linking a debit or credit card to a PayPal account is the unmatched address. The billing address you provided while linking it on your account should match the one associated with the card itself. If you’re getting an error and the problem is associated with your address, call your card company. Sometimes, it may take a while to update the current billing address on your card. If you have updated your address on the card recently, it may get you in such problems. Call your card company and get the updated address to provide on the input field on PayPal to resolve the issue.

A card is allowed for only one account

Before you link a debit or credit card to your PayPal account, you must know that you can add a card only on one account. You cannot add the same credit or debit card to different accounts; the same applies to different cards. If you have the same card registered or linked to a different PayPal account, log into that and remove it. If you have a card already linked to your account, you must remove it to add the new one. You cannot keep more than one card linked to the account for security reasons and to eliminate fraudulently.

Acceptance of the $1 authorization

When you add a debit or credit card to your PayPal account, the card processor puts a $1 authorization charge on your card. If your card company doesn’t accept the charge to be placed on your card, PayPal will reject the card. You must make sure the authorization charge of $1 doesn’t get rejected from your card company if you’re facing such a problem while adding your card on PayPal, cal the card company, and ask them to clear this out. Once the card company accepts the charge, you can add the card again with the regular process.

Incorrect card security code

After putting the card information on the input field on PayPal for registering it, you have to confirm the card again. At the confirmation page, you will get a 4 digit card security code (CSC) to make sure it’s you. You will get the code on your phone or email, which you have to insert on the confirmation page. If you put the card security code wrong 3 times in a row, PayPal will halt the process of linking the card. If you end up getting such a problem, you have to call the PayPal service and ask them to resolve it. They will ask you to provide additional information to identify and clear the issue at linking the card.

You have too many cards connected

Where you can link only a single card to your PayPal account, you can register up to 8 cards at the same time. If you have reached the maximum number of connecting cards to your PayPal account, you must remove at least one. Remove an existing card from your PayPal account and add the new card you’re planning to link to your account.

How to use PayPal without a card?

You don’t necessarily need a card to accept payments and make purchases without a card if you have a bank account. If you don’t link a card to your account, you can request and receive money from others, and send it to them. You can create invoices for your customers without using a card and create money pools, too. You don’t need to link a card to donate your PayPal money to a charity as well.

Frequently asked questions

Here are the most frequently asked questions about adding cards on PayPal account that people are interested to know about:

Should I link my debit card to PayPal?

You don’t necessarily need to add your debit card or credit to your PayPal account. However, if you want to make purchases using PayPal, you must add a card to your account.

Is PayPal safer than a debit card?

Using PayPal is far safer than using just your debit card while making purchases online. You can bypass putting your card information on the payment page if you use PayPal.

Is PayPal free with a debit card?

The PayPal debit card doesn’t have any monthly fees or any minimum balance requirement. You have to pay for any ATM withdrawal, especially if you’re doing it outside the US.

Final thought

PayPal users can add money to their account from the cards and withdraw money from the PayPal account. If you need to fund your PayPal account, you must need a bank account, credit or debit card to make the transaction. You can transfer or withdraw your money if you add a bank account to PayPal.

If you have to connect a card to your PayPal account, you must know the right procedure. If you don’t get to know the reasons behind a card linking failure, you’ll wonder why can’t I link my debit card to PayPal! Follow the reasons I’ve got you through and find your reason for the error to solve it.