I am having trouble receiving money from Upwork, since I only give them my email address for me to send, I thought something must be wrong on this end. I keep receiving "Unable to apply funds" as en error message for my payment rejection.
The option to receive paypal payments is sadly not available in Armenia. You can only send payments for purchases funded by your (confirmed) credit card.
Paypal varies a lot country to country and can only offer the services that the banks / governments of that country allow it to offer. There are quite a few countries unable to receive paypal payments.
