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just one seller?
every seller / site?
funding source being used?
have you confirmed the funding sources?
have you any limitations?
are you in the US with that US account?
is it a currency issue?
have you verified your email address?
If you are using the paypal app then you would have to confirm your phone number first.
If you are using paypal on another device then you would have to confirm your email address.
Is the phone one issued in your country that can accept the texts paypal send to confirm it?