If your Paypal account is empty, the debit card will not always work for face-to-face transactions... even if it is tied to an adequate backup funding source. You can avoid this problem by setting up the balance manager to keep a certain amount of money in your Paypal account. Another good reason for keeping a balance in your Paypal account is that you can get cashback at the register when you checkout. You know, like when you are at a store and you enter your PIN and are asked if you want money back? You can use that service if your Paypal balance has enough money to cover it.
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