If the funding option selected by the buyer fails in a DoExpressCheckoutPayment or a DoAuthorization call, a recovery process is available to merchants in some cases.
Error code 10486 is returned to merchants when a buyer's payment fails due to a decline on the choosen funding method. If the merchant receives this error code from PayPal, the Merchant can redirect the buyer back to the PayPal page to select an alternate payment source or to add a new funding instrument.
Full rundown can be found HERE, and a quick guide below
Sale and Authorzation method
When using PaymentAction "Authorization" or "Sale" you can simply redirect the user back to the original redirect URL when API response code 10486 is returned in the DoExpressCheckoutPayment response e.g.
https://www.paypal.com/cgi-bin/webscr?cmd=_express-checkout&token=EC-ABCDE12345
Order Method
When using PaymentAction "Order" a 10486 can be returned in the DoAuthorization API call. In this case you can use the Order ID as reference when redirecting back to PayPal, the link can be shared with customers via email, or if they are still in the checkout flow you can redirect them directly.
https://www.paypal.com/cgi-bin/webscr?cmd=_express-checkout&order_id=O-4PS66146G25310203
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