Does PayPal Accept Prepaid Cards? (Do This Before…)

Does PayPal Accept Prepaid Cards

Jessica, do you know if PayPal accepts prepaid cards? This is one of the questions my readers ask a lot. Well, I´ve got you covered.

Prepaid cards are a great way of giving someone a gift that they can use for anything or a way to make spending for yourself easier and safer. 

PayPal allows you to easily connect prepaid cards to an account so you can use them like a credit or debit card. They also have their own prepaid cards specifically for PayPal that you can use if you know you’ll use them through your account. 

Let’s learn about how to connect a prepaid card to a PayPal account, what you can buy with it, including some restrictions you should know about, and why you might experience some errors or declined messages when making a purchase. 

Can You Use a Prepaid Card on PayPal?

Yes. Prepaid gift cards can be used with Visa, American Express, MasterCard, or Discover brands everywhere PayPal is accepted in the United States.

Please be advised that this does not cover business-specific gift cards which do not have the Visa, American Express, MasterCard, or Discover logos.

Read also >> Does Venmo Accept Prepaid Cards? (All You Need To Know)

Read also >> Why Is PayPal Customer Service So Bad? (5 Reasons Why)

How Do You Use a Prepaid Card on PayPal?

Similar to other debit or credit cards. Not a single difference!

PayPal members may add prepaid gift cards to their wallets and use them at checkout, just like any other debit or credit card.

Users who do not have a PayPal account can submit their card details during checkout, just as they would with a debit or credit card.

How to Connect Your Prepaid Card to a PayPal Account

The majority of cards may be used to fund your PayPal account. Most prepaid cards, and all of the major debit and credit card brands, are accepted by this service.

 You only need to access the PayPal settings and use the “Link Card” option. 

You only need to access your PayPal settings and use the “Link Card” option. Then, adhere to the instructions and complete all the necessary information.

PayPal will immediately withdraw a small amount from the card to check that it has been accepted, but you’ll be refunded after you have validated the card.

Why You’re Getting an Error Message When Connecting a Prepaid Card

In rare situations, you might need to notify the card issuer of your billing address. To finish this registration procedure, look for a contact webpage or phone number on your prepaid card’s back.

If your prepaid card was not authorized in the United States or if you attempted to purchase from an overseas seller, you can also receive an error notice.

Are There Any Restrictions to Using Prepaid Cards with PayPal?

You may generally spend the money on your prepaid card account if the online store you buy from accepts PayPal as a form of payment.

Even if you buy from a particular store, you cannot utilize a gift card from that retailer using PayPal.

You cannot connect your prepaid card to pay for subscription services using PayPal or other conventional payment methods with your prepaid card.

It’s also important to remember that to finish the checkout, you must have the total amount on your prepaid card, and the sum must include both the price and postage of the items you are purchasing.

If not, the transaction will be declined, and you will need to either cancel your transaction or top off your prepaid card before completing your purchase.

Why You Might Get a Declined Pop-up Using Prepaid Cards on PayPal

If your purchase is denied, your prepaid gift card probably won’t have enough funds to pay the total purchase amount. You could wish to purchase a less-priced item or use a different card.

If your prepaid card was not authorized in the United States or if you attempted to purchase from an overseas seller, you can also receive an error notice.

Regardless of whether the prepaid gift card has adequate funds to pay the entire amount, you might need to verify your billing address with the card provider if you receive a denied notice after checking out.

To finish the registration procedure, look for a contact webpage or phone number on the back of the card. Once registered, kindly attempt once more.

Does PayPal Have a Prepaid Card?

Service customers have well received the introduction of PayPal’s prepaid card in recent years. It functions similarly to all other prepaid cards; however, it is more straightforward for individuals who prefer utilizing PayPal for online transactions. 

There is just a handful of countries in Europe and the US where you may get a PayPal Prepaid Mastercard. The upside is that this system continually expands, and more users globally are eager to use this card.

Nonetheless, many banking institutions supply prepaid cards. Some are simple cards you transfer money to, while others include an account and a variety of banking services so you can effectively keep track of your money and use it to make transactions and pay payments.

Where Can You Use a PayPal Prepaid Card?

They will immediately accept their prepaid Mastercard from any merchant that offers you the choice of paying with PayPal.

You may use this service to get to your money rapidly, make in-person or online purchases, and even withdraw cash from machines worldwide. You should be aware of these costs before you spend because many of these perks are subject to charges.

Since they provide buyer protection for their consumers, PayPal is among the safest platforms to purchase online.

You may buy safely without using up the entire limit on your credit card if you combine this with your preferred prepaid card.


Prepaid cards are a terrific way to present a gift that can be used for anything or to make your personal spending simpler and safer.

There is plenty of flexibility with prepaid cards, especially through PayPal’s global reach.

Prepaid cards may be linked to your PayPal account, so you can use them just like a debit or credit card.

If you anticipate using them through your account, you may even use their own prepaid cards made just for PayPal. 


Jessica G.

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

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