If PayPal determines that the payment is a risk, why go through with the charge at all? That makes no sense whatsoever. I recently had the same thing happen. I have YouTube TV and they charge every month and have been for a couple of years now. This month, the payment was sent to my alternate account - which happens to be bank account instead of a credit card. I only have the bank account to transfer money, it should never be billed to or from.
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