INSTRUMENT_DECLINED while executing live payment

jackhammerz
Contributor
Contributor
Hello. I've been implementing PayPal REST API on my server. Finally completed the checkout flow and made successfull payment with sandbox environment. Now trying to make a payment with a live (production) environment, using my personal customer account. The payment is successfully created. I receive errors when payment is confirmed by the client and servers is executing payment. Server's response is: {"name":"INSTRUMENT_DECLINED","details":[],"message":"The instrument presented was either declined by the processor or bank, or it can't be used for this payment.","information_link":"https://developer.paypal.com/docs/api/payments/#errors","debug_id":"eb5dde59636b4"} I've read error description. My paypal account have a linked credit card, the card have sufficient founds and I've successfully tested it with other PayPal merchants. So, I think the problem it with the created payment or maybe something else. The created payment's format is: {"id":"PAY-32J348696P6258347LN3KZQY","intent":"sale","state":"created","payer":{"payment_method":"paypal"},"transactions":[{"amount":{"total":"1.00","currency":"USD"},"description":"Silver membership","custom":"34","related_resources":[]}],"experience_profile_id":"XP-YHJB-B2QJ-LMKF-ZGL3","create_time":"2018-08-17T11:08:50Z","links":[{"href":"https://api.paypal.com/v1/payments/payment/PAY-32J348696P6258347LN3KZQY","rel":"self","method":"GET"..."}]} I see that PayPal provides many ways to pay, I assume as as merchant I can face similar issues in future. Is there any way to quickly examine why exactrly the system didn't executed payment? The INSTRUMENT_DECLINED is quite ambiguous. It assumes at least three possible reasons for denial.
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2 REPLIES 2

Boden
Contributor
Contributor
Having the exact same issue. Did you manage to find a solution?
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jackhammerz
Contributor
Contributor
My website was subjected to pre-approval, you should contact ticket-based support to know the exact reason behind your issue.
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