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As you have not added your country to your profile (so we can see when we hover over your username) or said in your post which country you are in then sadly can't advise.
Paypal varies a great deal country to country so you need to tell us where you are on this worldwide community forum.
Thank you for reaching out on the Community Forum.
I'm sorry to hear that you're having difficulty linking your MasterCard. I would recommend contacting Customer Support through one of our contact channels. If you cannot reach out Customer Service team by phone, they're also available through Twitter direct message or Facebook instant message.
I hope this helps! - Shawna