Hello there @PeachyPandy,
Thank you for joining us here on the PayPal Community Forums. I know it can be frustrating not being able to make a payment. Payments can be declined for a variety of reasons, and this PayPal Help Center article can help explain what causes these issues: Why was my payment declined?
I hope that this information helps you get your payments taken care of in a timely manner.
- Dani
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