Here are common reasons why your PayPal Credit payment may be declined and what you can do:
1. Exceeding Available Credit
- Your purchase may be above your credit limit.
- Check your available credit by logging into PayPal.
- If you recently made a payment, it may take a few days to reflect in your balance.
2. Pending Transactions
- If a pending order hasn’t been processed by the seller, it may affect your available credit.
- Contact the seller to cancel the pending transaction if needed.
- If a canceled transaction still appears after 30 days, call the number on your PayPal statement to request removal.
3. Credit Limit Not Increased
- Being approved for a transaction that exceeds your credit limit does not increase your limit.
- You can request a credit line increase by calling PayPal Credit customer service.
4. Verification Issues
- The information entered at checkout must match your PayPal account details.
- Double-check:
- Name (avoid nicknames/abbreviations)
- Phone number
- Email address
- Billing address (must match PayPal records)
5. PayPal Credit Account Closed
- Check your latest billing statement.
- If your account is closed, a notification will appear in the "Important Account Information" section.
6. PayPal Credit Not Available for This Purchase
- Some purchases may not be eligible for PayPal Credit.
- Try using another payment method if PayPal Credit is not an option.
For further assistance, contact PayPal Credit customer support or go to Why can't I pay with PayPal Credit? | PayPal US