I've been getting this error repeatedly as well. My card is not close to its expiry date, I have the funds in my bank account and it's been confirmed that it is not a problem with the card issuer. I was able to pay as a PayPal guest the first few times this happened but now it won't even let me do that - very frustrating, as I have an ebay item waiting to be paid for, I have the funds to pay for it and yet I am constantly getting this error. Please, PayPal, sort this out!
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