Does PayPal Work with Debit Cards? (All You Need To Know)

Debit cards are a quick and easy way to purchase items or services without needing cash or a credit card.

If you use PayPal, you might be wondering if PayPal will work with your debit card? I did some research, and this is what I found!

Does PayPal Work with Debit Cards In 2022?  ‌

Fortunately, debit cards are accepted by PayPal in 2022. Moreover, to use your debit card with PayPal you first have to link your card to your PayPal account and confirm it. Furthermore, once your card is linked and confirmed to your account, you can use it to pay for items and services through PayPal.

If you are interested in learning more about how to link your debit card to your PayPal account, how to transfer money using your debit card, and more, keep reading!

How do I Link my Debit Card to my PayPal Account?

Linking your debit card to your PayPal account is the same process as linking your credit card to your PayPal account.

Additionally, you can link a new card when signing up for your PayPal account or after your account is already created.

Moreover, to link your debit card to your PayPal account:

  1. First, log in to your PayPal account
    • Either on the app or PayPal.com
  2. Second, go to “Wallet” and click “Link a card”
  3. Following, enter your debit card details and click “Save”
  4. Next, you will be taken to your bank’s website to confirm your card
    • You will be sent a one-time passcode from your bank
  5. Last, enter the code you were sent to confirm your card

How do I Transfer Money from my Debit Card to PayPal?

Unfortunately, you can’t transfer money directly from your debit card to your PayPal balance.

However, since your debit card is linked directly to your bank account, if you transfer the money from your bank account, it’s the same thing.

Therefore, to transfer money from your bank account to your PayPal balance:

  1. Begin by logging into your account
    • You can do this on the app or PayPal.com
  2. Next, go to “Wallet” and click “Transfer Money”
  3. Then, click “Add money to your balance”
  4. Following, choose your bank account and then enter the amount you would like to transfer
  5. Finally, click “Add”

Additionally, if your debit card is linked to your PayPal account you don’t need to transfer any money because your PayPal account can automatically use your debit card for purchases.

What Cards does PayPal Accept for Instant Transfer?

What Cards does PayPal Accept for Instant Transfer?

Eligible Banks for PayPal Instant Transfers are:

  • PNC
  • JPMorgan Chase
  • BB&T
  • Bank of America
  • Keybank
  • Citibank
  • Wells Fargo
  • BNY Mellon
  • Suntrust

Furthermore, PayPal says, “Eligibility of a debit card to process Instant Transfers is dependent on the participation of your card issuing bank”.

Therefore, if you have a debit card with one of the previously listed banks your debit card is eligible for PayPal Instant Transfer.

Why is my Debit Card not Accepted on PayPal?

There are a couple of reasons your card may be declined by PayPal, these are:

  • Your billing address doesn’t match between your card and your PayPal account
  • Your card issuer declined the charge
  • You entered your card security code incorrectly 3 times
  • Your card is linked to more than one PayPal account, or
  • You have 24 linked cards to your PayPal account

Fortunately, you can fix any of these issues easily.

First, check your card details and the address you are entering into PayPal to make sure your billing address matches.

If your billing address does not match then you will need to call your card issuer and correct your billing address.

Furthermore, if your card issuer is rejecting the confirmation charge you will need to call your card issuer and ask why they are rejecting the charge.

Additionally, if you have entered your card security code incorrectly 3 times, you will need to call PayPal directly.

Furthermore, you can contact PayPal through Contact Us or by calling 1 (888) 221-1161.

Moreover, check to make sure your card is not linked to more than one PayPal account.

If your card is linked to another PayPal account, you need to remove it from that account, and then you can add it to your new account.

Lastly, if you already have 24 cards linked to your PayPal account, you need to remove one or more of the cards from your account to be able to link a new one.

To learn more, you can also read our posts on how to unblock on PayPal, what to do if PayPal charged you twice, and PayPal complaints.

Conclusion‌ ‌ ‌

Fortunately, PayPal does accept debit cards as a payment option. Therefore, to use your debit card with PayPal you have to link it to your PayPal Wallet and confirm it. Furthermore, some debit cards, through the banks affiliated with PayPal, are eligible for PayPal Instant Transfer.

Additionally, if your debit card isn’t linking to your PayPal account, make sure your billing address matches, make sure your card isn’t linked to another account, contact your card issuer about any issues, and lastly try contacting PayPal Customer Support.

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Marques Thomas

Marques Thomas graduated with a MBA in 2011. Since then, Marques has worked in the retail and consumer service industry as a manager, advisor, and marketer. Marques is also the head writer and founder of QuerySprout.com.

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