I'm getting the same message. I already have 2 cards linked to eBay (mine & my partner's), and I'm getting the message no matter which PayPal account I try. I was making multiple purchases when the problem started, and all bar one went through ok. The one that didn't was only for a couple of quid, and both PayPal accounts are verified and have more than enough funds. I found lots of posts about this from two years ago, so it seems it's nothing new 😞 I think PayPal & eBay need to get their act together if they want to keep their customers.
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