Log into your card issuer’s app and check your “daily spending limit” or “available credit.”
Do not be the user who clicks “Retry” 15 times, gets locked out for 48 hours, and then blames PayPal. Instead, pause, log into your bank, check for fraud alerts, and call the number on your card. In 90% of cases, the bank will release the block within five minutes of a phone call. Once they do, you can return to PayPal, retry the card (once!), and complete your transaction.
Banks are incredibly protective of patterns. If you usually buy coffee in Chicago and suddenly PayPal tries to withdraw $200 for a server in Luxembourg, the bank’s automated system panics. They don't just decline the transaction; they send a specific "Do Not Honor" code back to PayPal.