If your PayPal debit card does not have enough funds to cover your purchases, you can add a backup funding source. The funding option must be either a bank account or a PayPal credit card. You cannot add a debit card, or a credit card obtained from a different company, as a backup. You must establish your bank account or PayPal credit card as a payment method before you can add it as a backup.
Step 1: Setting Up Your Payment Method
After logging into your PayPal account, you will be directed to the Summary page. From there:
- Click on "Wallet" at the top of the page
- Select "Link a Bank" or "Link a Card" to add your bank account or Paypal credit card
Step 2: Confirming Your Account
You bank account will not be added as a payment method unless you confirm it:
- Immediately by logging into your bank account while adding the payment method.
- Within two to three business days. In this case, after PayPal has made two nominal deposits and withdrawals from your account, log into your PayPal account, select "Wallet" and the option to confirm your account
Step 3: Adding Your Backup
From the Summary page, select the Paypal debit card link, then click on "Add Backup Now." The bank account or PayPal credit card you added as a payment method should now be visible. Select the backup source, then press "Continue" to complete the process.