Hello @ChrisKirby81
Thanks for visiting PayPal's Community Forum.
I understand that you are unable to link your card to your PayPal account. Please read this article to get more details. You can also reach out to the Support Team during business hours by clicking the contact us option at the bottom of PayPal page for any additional help. If your unable to login or are not in access of your PayPal account, you can connect with us via phone call as "as a Guest" (this does not require you to sign in to your PayPal account.
Hope this helps you!
Warm Regards, Chinmayee
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