If the funding option selected by the buyer fails in a DoExpressCheckoutPayment or a DoAuthorization call, a funding failure recovery process is available to merchants. Error code 10486 is returned to merchants when a buyer's payment fails due to a bad funding method (typically an invalid or maxed out credit card). If the merchant receives this error code from PayPal, the Merchant can redirect the buyer back to the PayPal page to select an alternate payment source or to add a new funding instrument.

Possible reasons for payment failure include:

  • The billing address associated with the financial Instrument could not be confirmed.
  • The transaction exceeds the card limit.
  • The transaction was denied by the card issue