Paypal Check Your Account At Your Card Issuer Before Retrying This Card Better Page

A transaction attempted via PayPal was rejected. The decline did not originate from insufficient PayPal balance but from the card issuer (the bank or company that issued the credit/debit card linked to PayPal). PayPal is advising the user to contact the card issuer before attempting another payment.

Banks need time to reset the flag on their end. Do not immediately retry. Wait at least 10–15 minutes. Some banks require an hour.

Write down the exact time of the failed transaction, the amount, and the recipient. You will need this when you call your bank.

Error Code Reference: Generic Decline (Soft Decline) Error Message: “Check your account at your card issuer before retrying this card.” A transaction attempted via PayPal was rejected

Your bank declined the transaction because your account balance is lower than the purchase amount plus any potential hold. Even if you think you have enough, remember that pending authorizations (hotels, gas stations, restaurants) might reduce your available credit or balance.

Solution: Check your available balance (not just the current balance) in your online banking portal.

You might be tempted to ignore the message and just click “Pay” again. Here is why that is a terrible idea: The message says “before retrying this card” for

The message says “before retrying this card” for a reason. PayPal’s system has already flagged that a simple retry will fail. Doing it “better” means investigating first.

Sometimes, the issue is unresolvable. Your bank may have a permanent policy against PayPal (rare, but exists with some credit unions). Or your card type (e.g., Visa Electron) is not supported. In this case, do not waste hours. Use one of these better alternatives:

You’re trying to pay for something on PayPal. You’ve done it a hundred times. But suddenly, you see this message: “Check your account at your card issuer before

“Check your account at your card issuer before retrying this card.”

Or sometimes:

“Please check your account at your card issuer before retrying this card. To continue with this card, please check your account at your card issuer for more information.”

Annoying, right? And vague.

Let’s break down exactly what this means, why it happens, and — most importantly — how to fix it.