Why can't I add a card to paypal. What to do if you can't link your card to your PayPal account. If your credit or debit card has been declined

Not only beginners, but also experienced buyers of online stores are faced with a situation where payment for the selected product with a payment card does not go through. A very unpleasant situation, especially when a purchase needs to be made quickly. Imagine that you buy a plane ticket, it remains the last one, you enter the details, send it for payment, but it turns out that the system did not accept the card. The ticket is bought by someone else, the trip is disrupted, the mood is ruined. Why is this happening? What do you need to do in order to easily pay with your payment card when shopping on the Internet? These and many other questions will be answered in our article today.

eBay, PayPal, or online store does not accept the card? Let's find out what the problem is

It is very good if you can immediately find out what the problem is and re-pay. But it happens that it is not possible to figure it out in the shortest possible time. Experienced users of online stores have more than one payment card in order to minimize such situations.

So, you entered the card details in an online store, a personal account on one of the branches of the eBay auction and received a system response that it was impossible to make a payment, the data was entered incorrectly, or some similar message of that kind.

Let's try to figure out why such situations arise, and how to avoid them in the future. Next, we will look at the most common reasons, excluding which, you will understand why, PayPal, or an online store does not accept your payment card.

Often a problem with a payment card occurs due to incorrectly entered details. Check the card number, first and last name, security code again. It often seems that you are entering everything correctly, but upon re-checking it turns out that a mistake of one digit was made.

Full name must be entered only in Latin, and exactly as indicated on your card. Also check the spelling of the payer's address (the address that was used when issuing the card, usually this is the home address)

Many users have many cards from different banks. And often, when paying, they can confuse them. Especially if the cards with the same pattern are from the same bank, then it will not be difficult to confuse at all. Therefore, if there is a problem, then double-check if you are using an invalid card, or one that has no funds on the balance.

Perhaps your card is not designed for online payments, or there are restrictions on payments within the country in which the card was issued. If you didn't know, we hasten to inform you that many "Electron" type cards have similar restrictions. The bank can block any attempts to authorize the card via the Internet. Therefore, first of all, check if there are any restrictions on your payment cards. How to do it? It is enough to call the bank support service and ask about this moment. But be prepared for the fact that many employees are not competent in this kind of questions, and can give any answer, just to end the conversation. You can search the web for the answer, because many users of certain types of cards also experience such problems, and write about it on forums and various sites.

The card is new and not activated. As a rule, large banks immediately activate their client's card upon issuance, and this problem should not arise. But there are financial institutions that do not pay due attention to this issue. A client who has received a card specifically for online payments does not even think about activation, and faces problems in making payments. In fact, card activation is a matter of seconds. You just need to make some kind of operation: put a few rubles into the account, check the status of the account through an ATM, withdraw money, etc.

There is not enough money on the card. The most banal, and the most common problem, as a result of which the payment is not made. It would seem that you have calculated everything, checked your account, everything should converge, but the payment does not go through. Why is that? Maybe you did not take into account the commission of the system, or the withdrawal of money as a result of the conversion, or maybe the bank withholds additional payments for online payments. Therefore, if you know the amount you need to pay, then the card should be 10-15% more so that there are no problems.

The problem may not be in your card, but in the conditions for accepting payments of a particular online store. Perhaps the company does not take into account cards imitated in the CIS countries (usually in Ukraine and Russia). Therefore, before buying, check the moment on the store's website, or look for reviews on the Internet.

Before providing the operation, you need to remove the limits and restrictions on the ability to pay via the Internet. In view of the fact that now there are a lot of scammers who want to transfer your money to their accounts, many banks prohibit online payments by default, or set strict limits. You can withdraw them by contacting the nearest branch, or using Internet banking.

We know from our experience that PrivatBank (Ukraine) has such restrictions, and many users of Privat payment cards face the problem of paying bills on the Internet, not even suspecting that this is a security measure forcedly activated by the bank. To withdraw it, you must go to Internet banking, and in the card management settings, allow transactions on the Internet. Also there you can specify a monthly limit, exceeding which, the card blocks the ability to pay online bills.

Linking to an account is designed to secure the financial transactions performed. But sometimes there are difficulties with the procedure. Not everyone is willing to wait for a response from technical support or read the relevant forums. So the user is wondering what to do if I can't add the card to PayPal. Let's take a look at the details in this article.

Completing all the points is not difficult if it fails the first time. Be sure to enter everything correctly. The company checks if there is a discrepancy and if the information is not accepted, the account may be blocked. If everything is done correctly, but the information is not accepted, then something is indicated incorrectly.

Detailed steps:

Go to your personal account in the system, on the right side at the top you should click on the item "Link and confirm my debit or credit card".
Check all previously entered data. They had to be specified when registering and opening an account in the system. In the case when the data is incorrect and needs to be changed, click on the "Link a new card" item, and in it on "Change". If everything is correct, click the "Continue" button. Please note that after performing this operation, 1.5 euros will be debited from the account, which should be on it.
After the money has been debited, a four-digit code is generated within a few hours. It is displayed on the financial statement.
The secret code is needed in order to complete the procedure. The previously withdrawn money, after successful completion, will be returned to the account within up to thirty days.
The waiting time for a statement varies and depends on the banking institution. It may take several hours or several banking days.
After receiving the statement, you must again go to the previous menu item, that is, "Link and confirm my debit or credit card". You need to enter a secret code in it.
Click "Confirm Card" and, provided that everything is done correctly, a verification success window will appear. If the plastic is not attached, then it is already attached. Now on the main page of your personal account there is an inscription "Verified".

Brief binding steps, if it does not add an account according to the previous instruction:

You need to enter your personal account of the payment system.
At the top of the page, you will see the "Account" menu, you need to enter it.
Click on "Add a card".
In the menu that appears, click on the desired type.
Enter data.
Click on the "Save" button.

What binding gives:

enhances user protection within the system;
identification of a person as the owner of the account and account;
reduces the risk of fraud when data is lost or entered incorrectly.

Possible difficulties and ways to solve them

If it was not possible to link bank plastic to an account, then it is already linked to another. Such rules are established in order to secure financial transactions. If not added, the only way out is to unbind from another account. To do this, go to it and click on the "Account" item at the top of the page. Select the card and delete it (the author of the video is the PC Lessons channel).

Conclusion

For an experienced user, this procedure is easy. In case of any difficulties, if it does not work out, the support service will help. Linking the card will provide additional opportunities for the user. When linked to an account, as well as authorization, a secret year will be generated when withdrawing funds. This approach counteracts the illegal withdrawal of money and the use of the account without the knowledge of the owner.

Linking to an account is designed to secure the financial transactions performed. But sometimes there are difficulties with the procedure. Not everyone is willing to wait for a response from technical support or read the relevant forums. So the user is wondering what to do if I can't add the card to PayPal. Let's take a look at the details in this article.

Detailed steps:

Go to your personal account in the system, on the right side at the top you should click on the item "Link and confirm my debit or credit card".
Check all previously entered data. They had to be specified when registering and opening an account in the system. In the case when the data is incorrect and needs to be changed, click on the "Link a new card" item, and in it on "Change". If everything is correct, click the "Continue" button. Please note that after performing this operation, 1.5 euros will be debited from the account, which should be on it.
After the money has been debited, a four-digit code is generated within a few hours. It is displayed on the financial statement.
The secret code is needed in order to complete the procedure. The previously withdrawn money, after successful completion, will be returned to the account within up to thirty days.
The waiting time for a statement varies and depends on the banking institution. It may take several hours or several banking days.
After receiving the statement, you must again go to the previous menu item, that is, "Link and confirm my debit or credit card". You need to enter a secret code in it.
Click "Confirm Card" and, provided that everything is done correctly, a verification success window will appear. If the plastic is not attached, then it is already attached. Now on the main page of your personal account there is an inscription "Verified".

Brief binding steps, if it does not add an account according to the previous instruction:

You need to enter your personal account of the payment system.
At the top of the page, you will see the "Account" menu, you need to enter it.
Click on "Add a card".
In the menu that appears, click on the desired type.
Enter data.
Click on the "Save" button.

What binding gives:

enhances user protection within the system;
identification of a person as the owner of the account and account;
reduces the risk of fraud when data is lost or entered incorrectly.

Possible difficulties and ways to solve them

Conclusion

Adding a card to the Apple Pay payment service does not require serious knowledge and skills. Usually the algorithm of actions is intuitive, and the procedure does not cause any problems. The more unexpected are situations when an error occurs when setting up Apple Pay. What to do if you cannot digitize a plastic card and bind it to the system? We offer step by step instructions.

Gadget check

Instructions on many sites advise that when a failure occurs, the first thing to do is to make sure that your gadget supports working with a payment service. We believe this test is useless. If the version of the iPhone or iWatch was not suitable for working with Apple Pay, you simply would not be able to start the process of adding a card - there would be no corresponding button in Wallet.

But what you should check if a failure occurs is the version of the operating system installed on your gadget. If it is outdated, we recommend downloading the latest release and then rebooting the device.

Important! If the Apple Pay setup failed when you tried to add a card to your watch or MacBook, check if your iPhone is synced with these devices. In the absence of synchronization, it will be impossible to add a payment instrument.

In addition, you should make sure that at the time of binding on the device:

connected fingerprint sensor;
a fingerprint is set to verify the user's identity;
signed in to iCould.

If one of these conditions is not met, it will be impossible to use the payment service in principle.

Checking the map

If everything is in order with the gadget, but you can’t link a payment instrument to it, you should check the card itself. It must meet the following conditions:

belong to Visa or MasterCard systems;
be issued by a bank that cooperates with Apple Pay;
be supported by the service.

Today, more than 30 Russian banks and payment systems cooperate with Apple Pay. But it should be borne in mind that not all cards of partner banks of the system can work with it. Even if the card belongs to one of the two payment systems compatible with the Apple service, this does not mean that it can be digitized. The list of cards for working with Apple Pay is determined individually for each bank. Therefore, if adding an Apple Pay card failed, we recommend that you contact your bank website and make sure that the payment method is suitable for working with this system.

Important! You can only add bank cards to Apple Pay. Transport cards, for example, the well-known Troika, cannot be digitized and used in the service.

Server connection error

You don't need internet to pay with Apple Pay. But during the setup it is necessary. Check:

whether your gadget is connected to the Internet;
is the connection stable, is the speed enough;
Whether the Apple ID entered on the device is valid.

The latter circumstance can be checked using the official Apple website.

In addition, one cannot discount such a circumstance as a possible overload of the company's servers or malfunctions on them. Try to wait a while and try to bind again.

Other reasons

Many banks, in order to add a card to a payment service, require mandatory confirmation of this operation using a one-time SMS password. These include, for example:

Sberbank;
Alfa Bank;
Promsvyazbank and some others.

If the SMS informing service (“Mobile Bank” or its equivalent) is not connected to your phone, the system will not be able to send you a password. Accordingly, the card binding will be impossible.

Important! It should not be forgotten that failures also occur in the operation of SMS notification services, due to which the one-time password may not arrive on time. Check if the connected service is working, for example, by requesting the card balance via SMS.

Speaking of balance. One of the fairly common reasons why a card is not added to Apple Pay is a banal lack of funds in the account. For successful binding, the card must have at least 1 ruble. If you have just received a card and have not yet had time to replenish its account, you will not be able to digitize it and enter it into the system.

When nothing helps

If, despite all the steps listed above and the checks made, you can’t set up Apple Pay, we advise you to contact Apple technical support. Residents of Russia can contact the company's specialists at the round-the-clock toll-free number 8-800-555-67-34.

Important! Before calling support, be sure to find the serial number of the gadget that failed.

If you have the Internet at hand, you can go to the official Apple website and contact a support representative in online chat. In some cases, this is more convenient than a telephone conversation, since it allows you to immediately send a screenshot of the error to the specialist.

In this article, we will touch on the PayPal payment system, which allows you to provide additional protection for funds in bank accounts when paying for services on the Internet. We will tell you why PayPal does not accept the card, and what you can do about it.

PayPal is an electronic payment system that allows customers who open an account here to securely make any payments and transfers on the Internet. Many users have already appreciated the convenience of this service and attach their cards to it. However, in some cases, the system does not allow you to bind a specific plastic media. Why is this happening? We will answer this question and tell you what to do if you cannot add a card to PayPal.

What cards does the system accept?

To begin with, it is worth noting that this payment system does not work with all types of accounts. What cards does PayPal accept? Debit, salary and credit issued on the territory of the Russian Federation or by foreign banks. The plastic carrier must have the logo of one of the following international payment systems:

Visa;
Mastercard;
maestro;
american express.

Other cards are not yet accepted, including MIR cards, which are gaining popularity in Russia. This may be one of the reasons why the service does not accept your plastic media. If your account works with one of the payment systems listed above, but the linking still fails, read the options below.

IMPORTANT. You only need to link your card to the system, since it is subject to mandatory verification. In addition, to complete the linking operation, you will need to enter a confirmation code that comes to the phone number associated with the account.

Possible Reasons for Binding Rejection

There are several possible reasons why PayPal is rejecting a card that, on formal grounds, can be attached. Let's consider them in more detail:

There are not enough funds on the account. To check the solvency and activity of the card, the system deducts from it an amount equal to $1.95 or its equivalent in another currency. Later, the money is returned to the account in the standard terms. If you try to attach a card with less funds, the operation will not be carried out.

The card has expired. The standard period of activity for a plastic carrier is 3 years, after which it is usually subject to reissue. You may not have noticed that the validity period has expired and the card has been automatically blocked by the bank. You can check this on the plastic carrier itself, under its number on the front side.

Exceeded daily/monthly transaction limit. Most accounts have limits on the number of transactions that can be made and the amount of funds that can be spent. If you have reached this threshold, the system will not be able to write off the checksum.

The card is blocked. This can happen both at the initiative of the holder and at the initiative of the bank. The basis for blocking may be unauthorized use by third parties or only suspicion of such use. Typically, the issuer warns of a temporary "freeze" of the account by sending messages to the cell number attached to it. But the notification may not reach due to a change of phone, temporary unavailability of the subscriber, and for other reasons.

Technical problems. From the issuer's side, various problems and communication failures may occur, which leads to the fact that it is not possible to add a card to PayPal.

Operation blocking. To ensure the security of customer accounts, banks sometimes block transactions that are atypical and suspicious, in their opinion. Since PayPal deducts a small amount to verify the card, this may be regarded as a fraudulent act, and therefore the issuer will not allow the linking.

NOTE. These are the most common and typical reasons why the card is not added to PayPal. In addition, various technical malfunctions may occur on the part of the payment system itself or your Internet provider. In some cases, failure is possible due to insufficient security of your computer or other gadget, for example, if there is no anti-virus program or if its databases are outdated. At the same time, the site will not even allow the user to start entering the payment details of the card.

What to do with it

Depending on the reason why PayPal was unable to add the card, the way to solve the problem will depend. In the first case, you just need to replenish your account in any convenient and affordable way. In the second, you need to pick up a new ready-made plastic carrier in the specified department or order a reissue. You can learn more about this, as well as about limits and other restrictions, from the managers of your issuer.

If the binding fails due to card blocking at the initiative of the holder, then you need to remove the temporary "freeze" or order a new plastic carrier. It is recommended to remove the blocking only if you are sure that all transactions with the account were made by you, and its details did not get to third parties. If this operation was performed by the bank itself, you need:

find out the reason for the blocking (usually this is carrying out several similar operations on the network for small amounts);
confirm that these actions were committed by you (if indeed so), or refuse them;
in the first case, the blocking will be removed and you will be able to perform any operations with the account; in the second case, for further use of the card, you will have to order a reissue.

ATTENTION. If none of the above causes and solutions work for you, we recommend that you contact the technical support on the PayPal website.

You can find out about technical problems on the part of the issuing bank by calling the hotline. The operator will be able to inform about the reasons for the impossibility at the moment to make a binding and about the approximate time for restoring all possibilities. If the reason for the refusal is to block a specific transaction by a financial institution, then you just need to call the manager and confirm the payment. To do this, you will need to provide your personal information.