Send Money To Paypal From Debit Card

© istock/Jay Yuno/2018 There are several reasons to link PayPal to your credit card. Those who like to pay with their card but don’t want to entrust their card number to every unknown online store can solve this dilemma by taking a detour via PayPal. Sometimes PayPal also requires a credit card for further use. KlarMacher shows what’s behind it and how you can add a credit card to PayPal. Topics in this article

  • Why add a credit card to PayPal at all?
  • How can I add a credit card at PayPal?
  • If adding the credit card does not work
  • Confirm credit card: What’s the point?
  • Why do I need to add a credit card even though I have a bank account?

To the point

To the point

  • Basically, a credit card is not mandatory for using PayPal, but in certain situations the payment service requires it as additional security.
  • The same credit card can be added to a maximum of two PayPal accounts.
  • By additionally confirming the credit card, you can send or receive as much money as your credit card allows.

Why add the credit card to PayPal at all?

A credit card is not mandatory to use PayPal. The payment service also works with the normal bank account and – at least to a limited extent – even without a deposited payment source at all. So why should you link your credit card to PayPal? There are several reasons.

  • Conserve account: If the current account, from which PayPal usually debits, is already low in sight, a switch to the credit card can avoid impending overdraft interest. The credit card account must also be balanced at some point – but in many cases only later. In the event of temporary bottlenecks, this can give you a little more financial leeway.
  • Protect credit card data: The price is unbeatable, but you’ve never heard of the online store before? It’s understandable if you don’t want to reveal your card information in this case – even if you would actually like to pay by credit card.
  • For credit card refusers, pay by credit card anyway: There are providers who do not accept credit cards, but PayPal. If you prefer to pay from your credit card account, you don’t have to compromise there.
  • PayPal requires credit card: Sometimes there is just no way around it and you have to add your credit card. For example, if there were problems with the deposited bank account.

How can I add a credit card at PayPal?

Linking your PayPal account to your credit card afterwards or adding a new credit card when you change your bank is done in a few steps.

  1. Log in to the PayPal website.
  2. Switch to the “Wallet” section.
  3. Click on the “Add credit card” option.
  4. Now you just need to enter your credit card information (card number, card type, validity, verification number) and billing address in the form.
  5. Click on the “Add credit card” button.

And this is how you can checkout on your mobile device (smartphone, tablet) and the PayPal app add a credit card.

  1. Log in to the PayPal app.
  2. Tap on “Wallet.”
  3. Tap the “+” icon next to “Bank accounts and credit cards.”
  4. Tap on “Debit and credit cards.”
  5. Now you can either add your credit card to your PayPal account or link it to your bank account.

After you have deposited your credit card with PayPal, the issuing bank or savings bank may ask you to confirm the process using 3D-Secure. You can read more about this in the guide “3D-Secure procedure: What is it? How does it work?

If adding the credit card does not work

You have done everything as described above – but PayPal does not accept the credit card? This can have different reasons:

  • The credit card is already used for other PayPal accounts: The same credit card can be used for a maximum of two PayPal accounts.
  • The card verification number was entered incorrectly three times: This will result in a block. In this case, contact PayPal customer service.
  • The address is not correct: The address provided must match the address on your credit card statement.
  • The credit card provider is not playing along: To verify that everything is working, PayPal will temporarily charge your credit card a small amount of $1. Don’t worry, you won’t pay any money. This is just a test charge that needs to be approved by the credit card provider. If this authorization request is rejected by the credit card provider, you should ask them why.

© istock/JZiga Plahutar/2019 If PayPal doesn’t do what it’s supposed to, adding a credit card can often solve the problem.

Confirm credit card: What’s the point?

After you add a credit card to your PayPal account, you can additionally confirm it. In some cases, the payment service also explicitly asks users* to verify the credit card on file. This is how it works:

  1. Log in to your PayPal account.
  2. Select the deposited credit card in the “Wallet” section.
  3. There you will find the option to verify the credit card. After clicking on it, you can request a code.
  4. You will find the code on your credit card statement after a few days: PayPal will charge your credit card with a small amount, the posting text will say “PP” or “PAYPAL” and next to it a four-digit code.
  5. You then enter the code from the credit card statement in your PayPal account – again for the deposited credit card. After that, the money will be charged back to you.

What’s behind it? Many legal regulations apply to financial services. This is to avoid crooked transactions such as money laundering. Therefore, new PayPal accounts without a confirmed bank or credit card account are subject to a limit both when receiving and sending money. PayPal determines how high this limit is. You yourself have no influence on it. By confirming the credit card or bank account, this limit is lifted and you can send and receive money within your credit card limit.

Why do I have to add a credit card even though I have a bank account?

Sometimes PayPal asks users to add a credit card even though they already have a bank account that has been used for payments in the past. According to PayPal, this is a security measure.. Accordingly, payment processing via the bank account can be disabled if …

  • you use a different device than usual, for example, a new smartphone or tablet.
  • you log in to your account from a different location, for example, while on vacation.
  • you have deleted the cookies or cache on your device.
  • you have recently made a lot of PayPal payments via the deposited bank account and these have not yet been fully processed with your bank.

These can be indications for misuse of the PayPal account. Therefore, a credit card is required as additional security. Another possibility why PayPal suddenly wants a credit card: In the past, there were problems with payment by direct debit – for example, because there was not enough money in the account. How did you like the article?

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