Hi daky585,
Welcome to the Community and thank you for reaching out here.
From what you are describing it sounds like PayPal is attempting to verify the card and your card issuer is denying to verify the card. It would be best if you contacted us directly and we can take a look. You can contact us on Facebook or Twitter or click the Contact link at the bottom of PayPal.com we will see what we can figure out for you.
Thanks,
Misty
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