Why can't I pay with PayPal Credit?

If your purchase is declined by PayPal Credit, you will be redirected to choose another payment method.

Here are some common reasons why you may be unable to pay with PayPal Credit, and what you can do:

• Your purchase attempt might exceed your available credit.

You can view your current credit limit and available credit by clicking PayPal Credit If you made a payment toward your PayPal Credit balance to increase your available credit, check your balance to make sure that the payment has been applied to your account. If you paid with PayPal Credit and the merchant hasn’t processed the payment, it’ll affect your available credit. If you wish to cancel a pending order like this, please contact the merchant. Once cancelled, it’ll disappear from your account within 30 days. If a cancelled pending order is still on your account and you believe it's causing your later purchase attempt to be declined, you can request us to manually remove it. PayPal Credit may contact you from time to time for a credit limit increase. 

• Your purchase attempt might need further verification.
  For your account security, we always check to make sure the information provided during checkout matches your account details. If the information can’t be verified, the purchase will be declined.
  Please make sure the information entered on the merchant’s website matches your PayPal account details.
  

  Here are some common things to check:

• Is your name spelt the same? Avoid using nicknames or abbreviations.
• Is the phone number the same one we have on your PayPal account?
• Does the email address you entered match the email address we use to communicate with you?
• Did you enter the correct billing address at checkout? Is your billing address different from your shipping address?

• Your PayPal Credit account could be closed.

  You can determine the status of your PayPal Credit account by checking your most recent billing statement. If you think your account might be closed, you can call our customer service team who can check the status of your account. Please call 0800 368 7155.  We're open 8 AM to 6:30 PM every day.

• PayPal Credit might not be available for all purchases.
  

  Depending on the circumstances of each purchase, sometimes you could be restricted from using your credit limit even if the seller accepts PayPal Credit. Please try to complete your purchase using another available payment method.

Learn more about PayPal Credit.