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When you pay with PayPal balance or bank account, the system will ask for a card as back up.
a) because depending on the retailer, they request a card to set up a billing agreement to streamline checkout experience on future purchases.
b) so PayPal can do an instant transfer on a bank account payment backed up with a card. PayPal fronts ahead the money to merchant immediately and await your bank payment to clear and will tap your card if bank is insufficient.
Otherwise, you won't be able to complete payment. I am not sure if this occurs with all merchants that accept PayPal or just some, depending on how they have PayPal checkout integrated.
Not sure why you can't add money to your PayPal balance though. PayPal encourages people to select a linked payment method during checkout instead of adding money.
Are you getting error messages? Is it telling you that they can't process the transaction now and asking you to try again later?
I want the money to be returned to my personal account
Start your own thread, please.
Read the checkout screens carefully, you may be able to select a card, instead of adding one. There should be a "Change" link or something on that step.
Those error messages may have something to do with PayPal's internal security system being triggered due to failed repeated attempts to add money.