I kept getting "10764: We can't process your transaction right now. Try again later." with just one card for a client that I knew had worked before just fine and other payments from other clients were processing fine. My client called Visa and they informed her that no declines had come through or been issued from their end. Someone in this thread said PayPal was having some AVS (address verification service) issues and I mentioned that to my client and she said, "Oh! That's probably because we moved and we forgot to tell you, but we did change our address with all our financial institutions." She gave me the updated address and the payment processed just fine. This may not be the solution for all, I don't know, but it's is one solution for sure. It's actually a good security measure PayPal has in place which is good (at least for my circumstances where the problem was fixed). RECOMMENDATION TO PAYPAL: Please give more suggestions other that "try again later" for this and other errors. A simple, "This error code is commonly solved through 1. trying again later as the server may be swamped, 2. making sure you have the correct address as the AVS may be catching a discrepancy, 3. and whatever other possibilities there may be... Thank you for taking this into account. PS: Thanks to the person who mentioned the AVS because that gave us a clue and it was fortunate I mentioned that to her by accident otherwise I'd still be scratching my head (and getting ticked off!) as I went round and round with PayPal and her (which wouldn't have been good customer service to keep needing to address this with her when I could just get a simple "here's what you do" message from PP).
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