Why can't I pay with PayPal Credit?

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