I'm having an issue with my business debit card being repeatedly declined in the past week. I've been using this card regularly with no issues for at least 3 months. I had lost my banking debit card, so have been using my Paypal debit card, with my bank checking account as the backup funding source. I've used it for hundreds of transactions, but in past week, I just keep getting declined, declined, declined. I've had some payments made recently to my Paypal account (eBay and Etsy), and when there are funds in my Paypal account, my debit card works.
I called Paypal and the rep suggested that I send a manual transfer of funds from my bank account. He said this should fix the issue. The transfer went through today, but still my debit card doesn't work. So I called again tonight, and the rep told me that I need to "build up my banking history" for my Paypal account by making regular manual transactions from my banking account into my Paypal account. This makes absolutely no sense to me. Since I no longer have a banking debit card, I now have no easy access to my own money! I keep having to pull out a credit card to use instead.
Additionally, I have a monthly subscription payment that is billed through my Paypal debit card. That transaction was also declined today. So I tried logging into Paypal and making a payment with my bank account directly via Paypal (not my debit card), and that transaction was also declined!
I was enjoying the perk of the cash-back you get with the Paypal business debit, but if the card can't be relied on to work 100%, what's the point?? I called my bank to check that there wasn't some security issue on their end, but they don't even see that any transactions were attempted. Has anyone else had this issue with the debit card?
... View more
