--- description: Directory entry for PayPal: merchant payment acceptance, authorization/declines considerations, security features, and dispute handling basics. title: PayPal payments for merchants: acceptance & disputes image: https://cdn.smartretry.com/_next/static/media/og-image.0z0q4_5kazzzo.jpeg --- [Skip to main content](#main-content) # Paypal ## Methods * Digital Wallets PayPal is a global payment provider used by merchants to accept online payments and manage transactions and disputes. Struggling with your approval ratio for this payment provider? [contact SmartRetry team →](/contact) Published January 21, 2026 Last updated May 5, 2026 ![Reading time](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fclock.337f-cmnyb532.svg)2 min ![Paypal](https://cdn.smartretry.com/cdn-cgi/image/width=640&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaypal.svg) ![Paypal payment phone](https://cdn.smartretry.com/cdn-cgi/image/width=750&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fphone.3jczmn1xd9-9j.webp) Proceed payment with ![Paypal](https://cdn.smartretry.com/cdn-cgi/image/width=48&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaypal.svg)Paypal ## Still letting failed transactions slip through? SmartRetry turns declines into approvals - automatically, intelligently, and without changing your payment provider. Email address Let’s talk Table of Contents ## About Paypal [![Official Website](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Fglobe-website.1l5fn-a17cqln.svg)](https://www.paypal.com "Official Website")[![LinkedIn Page](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2F_next%2Fstatic%2Fmedia%2Flinkedin-about.2wasedelio7i5.svg)](https://www.linkedin.com/company/paypal "LinkedIn Page") Product Type Payment Method Foundation 1998 Stock ID NASDAQ:PYPL Company Type public Employees 29,000+ Location ![USA](https://flagcdn.com/w20/us.webp)USA Channel OnlineIn person For developers [Status page](https://paypal-status.com/product/production)[Stack Overflow](https://stackoverflow.com/questions/tagged/paypal) ## Features ### Global buyer reach Widely recognized checkout option for online and mobile commerce. Commonly added to complement cards and local payment methods. ### Authorization and payment outcomes visibility Provides transaction status and reporting to support reconciliation. Useful for monitoring successful payments vs. declines/cancellations. ### Approval rates and decline monitoring Track approval/authorization success and declines by channel, country, and device. Use reporting trends to isolate friction caused by checkout or account issues. ### Security and fraud tooling Risk controls and monitoring to help manage suspicious activity. Merchants can align internal rules with PayPal risk signals and policies. ### Customer authentication support Supports buyer login/identity checks within the PayPal experience. Helps reduce friction when customers prefer wallet-based checkout. ### Disputes and chargeback handling Dispute workflows and evidence submission via the merchant dashboard. Clear timelines and status tracking for open cases. ### Operational reliability and integrations Merchant dashboards, APIs, and plugins support common commerce platforms. Status and incident communications help with operational planning. 💡Tip from SmartRetry If you see higher declines, segment by country/device and compare PayPal vs card checkout outcomes; then A/B test button placement and flow steps to reduce drop-off. ## Currencies Processing currenciesUSD, EUR, GBP, JPY, CAD, AUD, CNY, CHF, HKD, SGD, MXN, BRL, NZD, SEK, NOK, DKK, PLN, CZK, HUF, ILS, THB, PHP, MYR, TWD ## Available in Available countries * 🌍Global ### FAQ Is PayPal a payment provider, PSP, or acquirer? PayPal is primarily a payment provider/wallet that enables customers to pay using their PayPal balance, linked funding sources, or other supported methods. It can be used alongside your existing PSP/acquirer setup. Where is PayPal available for merchants? PayPal operates globally, but onboarding eligibility, supported products, and feature availability can vary by merchant region and business type. Why are some PayPal payments declined or not completed? Common reasons include customer account or funding-source issues, risk checks, currency/country restrictions, or buyer drop-off during checkout. Review decline/cancel reasons in reporting and compare by segment (country, device, new vs. ret How can I improve PayPal approval rates or reduce declines? Start by monitoring approval/decline trends by customer segment and checkout entry point, then reduce friction (clear messaging, fewer steps) and ensure your account settings, currencies, and shipping details match what you sell. How do PayPal disputes differ from card chargebacks? PayPal disputes are managed within PayPal’s dispute workflow, while card chargebacks are handled through card networks and your acquirer/PSP. Each has different evidence requirements and timelines. Can I offer PayPal alongside cards and other payment methods? Yes. Many merchants add PayPal as an additional checkout option to cover wallet-preferred customers, while continuing to accept cards through their PSP/acquirer. ## Statuses * All * Order & Authorization Status * Refund Status * Error Issue Code * API Error Issue Code * Processor Response Code __Statuses \- All__ | Code | Description | Level | Frequency | Resolution | | -------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------- | ---------- | ---------- | | Order & Authorization Status | | | | | | CREATED | Order / Authorization Created The order or authorization has been created and is awaiting payer approval or capture. No funds have been moved yet. | Processing, Info | Common | T0 | | SAVED | Order Saved The order has been saved and can be completed later. The payer has not yet approved the order. | Processing, Info | Occasional | T0 | | APPROVED | Order Approved The customer has approved the order via the PayPal flow. Merchant must now capture the payment to move funds. | Processing, Info | Common | T0 | | COMPLETED | Payment Completed The payment (capture or refund) has been successfully completed and funds have been settled. | Approved | Common | T0 | | VOIDED | Authorization Voided The authorized payment has been cancelled and can no longer be captured. | Info | Occasional | T0 | | CAPTURED | Authorization Captured An authorization has been fully captured. Used as the authorization object status after a successful capture. | Approved | Common | T0 | | PARTIALLY\_CAPTURED | Partially Captured The authorization has been partially captured. Additional captures may still be possible up to the authorized amount. | Processing, Info | Occasional | T0 | | DECLINED | Payment Declined The payment capture was declined by the processor or bank. The merchant should prompt the customer to use a different payment method. | Error, Declined | Common | T2 | | FAILED | Payment Failed The transaction failed due to a processing error. Retry may be attempted with appropriate back-off. | Error | Occasional | T0 | | PENDING | Payment Pending The transaction is pending review, bank processing, or regulatory checks. Merchants should not fulfil orders until this resolves. | Processing | Occasional | T0 | | Refund Status | | | | | | REFUNDED | Fully Refunded The captured payment has been fully refunded to the payer. | Info | Occasional | T0 | | PARTIALLY\_REFUNDED | Partially Refunded A portion of the captured payment has been refunded. Additional refunds are possible up to the original capture amount. | Info | Occasional | T0 | | CANCELLED | Refund Cancelled A refund was cancelled before it was processed. | Info | Rare | T0 | | CAPTURE\_FULLY\_REFUNDED | Capture Fully Refunded The capture has already been fully refunded. No additional refunds can be issued against it. | Error | Occasional | T0 | | DUPLICATE\_REFUND | Duplicate Refund The invoice ID provided has already been used for a previous refund, indicating a possible duplicate refund attempt. | Error | Occasional | T0 | | MAX\_NUMBER\_OF\_REFUNDS\_EXCEEDED | Max Refunds Exceeded The number of refunds allowed per capture has been exceeded. Contact PayPal support to review limits. | Error | Rare | T1 | | CANNOT\_REFUND\_SELF | Cannot Refund Self The payer and payee for the refund cannot be the same entity. | Error | Rare | T0 | | Error Issue Code | | | | | | INSTRUMENT\_DECLINED | Instrument Declined The payment instrument (card or PayPal account) was declined by the processor or bank, or cannot be used for this payment. Prompt the buyer to try a different payment method. | Declined, Error | Common | T2 | | PAYMENT\_DENIED | Payment Denied PayPal declined to process the transaction based on risk or business rules. The merchant should ask the buyer to contact PayPal or try another payment method. | Declined, Error | Occasional | T2 | | TRANSACTION\_REFUSED | Transaction Refused The transaction was refused by PayPal. This is a general decline that may be triggered by risk or compliance rules. | Declined, Error | Occasional | T2 | | PAYER\_ACCOUNT\_LOCKED\_OR\_CLOSED | Payer Account Locked or Closed The buyer's PayPal account is locked or closed and cannot be used for payments. | Declined, Error | Occasional | T3 | | PAYER\_ACCOUNT\_RESTRICTED | Payer Account Restricted The buyer's PayPal account has restrictions that prevent it from being used for this transaction. | Declined, Error | Occasional | T2 | | PAYER\_CANNOT\_PAY | Payer Cannot Pay A combination of payer and payee account settings prevents this buyer from paying this seller. | Declined, Error | Rare | T3 | | PAYEE\_BLOCKED\_TRANSACTION | Payee Blocked Transaction The transaction was declined by PayPal's Fraud Protection or Chargeback Protection tools due to potential fraud risk. Merchants should review their fraud settings. | Declined, Error | Occasional | T1 | | TRANSACTION\_BLOCKED\_BY\_PAYEE | Transaction Blocked by Payee Transaction was blocked by the merchant's own Fraud Protection settings. | Declined, Error | Occasional | T1 | | COMPLIANCE\_VIOLATION | Compliance Violation Transaction is declined due to regulatory or compliance rules, such as country-level restrictions or sanctions. | Declined, Error | Rare | T3 | | TRANSACTION\_LIMIT\_EXCEEDED | Transaction Limit Exceeded The total payment amount exceeds the per-transaction limit set on the account. | Declined, Error | Occasional | T2 | | TRANSACTION\_RECEIVING\_LIMIT\_EXCEEDED | Receiving Limit Exceeded The transaction exceeds the merchant's receiving limit. | Declined, Error | Rare | T1 | | MAX\_NUMBER\_OF\_PAYMENT\_ATTEMPTS\_EXCEEDED | Max Payment Attempts Exceeded The buyer has exceeded the maximum number of allowed payment attempts for this order. A new order must be created. | Declined, Error | Occasional | T0 | | CARD\_EXPIRED | Card Expired The payment card presented has passed its expiration date and cannot be charged. | Declined, Error | Common | T3 | | INVALID\_CARD\_NUMBER | Invalid Card Number The card number provided fails Luhn validation or is otherwise not a valid card number. | Declined, Error | Occasional | T0 | | PAYMENT\_SOURCE\_DECLINED\_BY\_PROCESSOR | Payment Source Declined by Processor The payment source was explicitly declined by the card network or acquiring processor. Buyer should use a different payment method. | Declined, Error | Common | T2 | | PAYMENT\_SOURCE\_CANNOT\_BE\_USED | Payment Source Cannot Be Used The provided payment source is not eligible for this payment. The buyer must use a different payment method. | Declined, Error | Occasional | T3 | | PAYMENT\_SOURCE\_INFO\_CANNOT\_BE\_VERIFIED | Payment Source Info Unverifiable The combination of payment source name, billing address, shipping name, and address could not be verified. Buyer should correct the information. | Declined, Error | Occasional | T0 | | AUTHORIZATION\_DENIED | Authorization Denied The authorization was denied and cannot be captured. The merchant should request a new payment from the buyer. | Declined, Error | Occasional | T2 | | API Error Issue Code | | | | | | DUPLICATE\_INVOICE\_ID | Duplicate Invoice ID The invoice ID has already been used for a previous transaction. Merchants must ensure invoice IDs are unique per transaction. | Error | Occasional | T0 | | PAYEE\_ACCOUNT\_LOCKED\_OR\_CLOSED | Merchant Account Locked or Closed The merchant's PayPal account is locked or closed, preventing payment receipt. | Error | Rare | T1 | | PAYEE\_ACCOUNT\_RESTRICTED | Merchant Account Restricted The merchant's PayPal account has restrictions that prevent them from receiving this payment. | Error | Rare | T1 | | PAYEE\_ACCOUNT\_INVALID | Merchant Account Invalid The payee account specified is invalid. The merchant should verify their email address or merchant ID. | Error | Occasional | T1 | | INTERNAL\_SERVER\_ERROR | Internal Server Error An unexpected server-side error occurred on PayPal's platform. The merchant should retry the request after a brief delay. | Error | Occasional | T0 | | AUTHENTICATION\_FAILURE | Authentication Failure Authentication failed due to a missing or invalid authorization header or credentials. Verify OAuth tokens and API credentials. | Error | Occasional | T1 | | NOT\_AUTHORIZED | Not Authorized The API caller lacks sufficient permissions to perform the requested operation. | Error | Occasional | T1 | | RESOURCE\_NOT\_FOUND | Resource Not Found The specified resource ID (order, capture, authorization, or refund) does not exist. | Error | Occasional | T0 | | RESOURCE\_CONFLICT | Resource Conflict A previous request on this resource is currently in progress. Space out retries to avoid this error. | Error | Occasional | T0 | | INVALID\_REQUEST | Invalid Request The request is malformed, syntactically incorrect, or violates the API schema. Review field values and structure. | Error | Common | T0 | | UNPROCESSABLE\_ENTITY | Unprocessable Entity The request is syntactically correct but semantically invalid or fails business validation (e.g., amount mismatch, unsupported intent). | Error | Common | T0 | | MISSING\_REQUIRED\_PARAMETER | Missing Required Parameter A required field is absent from the request payload. Check API reference for mandatory fields. | Error | Common | T0 | | INVALID\_PARAMETER\_VALUE | Invalid Parameter Value A field contains a value that is not within the accepted set of values for that field. | Error | Common | T0 | | INVALID\_PARAMETER\_SYNTAX | Invalid Parameter Syntax A field value does not conform to the expected format (e.g., date format, email, phone number). | Error | Common | T0 | | MALFORMED\_REQUEST\_JSON | Malformed Request JSON The request body is not valid JSON. Ensure proper JSON serialization before sending. | Error | Occasional | T0 | | INVALID\_CURRENCY\_CODE | Invalid Currency Code The currency code is not a valid ISO-4217 code or is not currently supported by PayPal. | Error | Occasional | T0 | | AMOUNT\_MISMATCH | Amount Mismatch The order amount does not equal the sum of its breakdown components (item total, tax, shipping, etc.). | Error | Occasional | T0 | | INVALID\_ACCOUNT\_STATUS | Invalid Account Status Account validation failed for the user; the account may be unverified, suspended, or in a restricted state. | Error | Occasional | T2 | | KYC\_HOLD | KYC Hold The payment is held because the merchant's Know Your Customer (KYC) verification is incomplete. | Processing, Error | Occasional | T1 | | NOT\_ENABLED\_FOR\_CARD\_PROCESSING | Not Enabled for Card Processing The merchant's account is not configured to process direct card payments. Contact PayPal support. | Error | Rare | T1 | | AUTH\_CAPTURE\_NOT\_ENABLED | Auth & Capture Not Enabled The authorize-then-capture flow is not enabled for the merchant. Ensure the receiving account is a verified business account. | Error | Rare | T1 | | AUTHORIZATION\_DENIED | Authorization Denied The authorization was denied and cannot be captured. The merchant should request a new payment from the buyer. | Declined, Error | Occasional | T2 | | AUTHORIZATION\_EXPIRED | Authorization Expired The authorization has passed its 29-day validity window and can no longer be captured. | Error | Occasional | T0 | | AUTHORIZATION\_VOIDED | Authorization Voided The authorization was voided and cannot be captured or reauthorized. | Error | Occasional | T0 | | AUTHORIZATION\_ALREADY\_CAPTURED | Authorization Already Captured The authorization has already been fully captured and no additional captures are allowed. | Error | Occasional | T0 | | AUTHORIZATION\_AMOUNT\_EXCEEDED | Authorization Amount Exceeded The requested capture amount exceeds the authorized amount including any permitted overage (e.g. 115% in the US). | Error | Occasional | T0 | | MAX\_CAPTURE\_AMOUNT\_EXCEEDED | Max Capture Amount Exceeded The sum of all captures exceeds the allowable limit (default 115% of the authorization). Contact PayPal support to adjust the overage limit. | Error | Rare | T1 | | MAX\_CAPTURE\_COUNT\_EXCEEDED | Max Capture Count Exceeded The maximum number of allowed captures for this authorization has been reached. | Error | Rare | T1 | | Processor Response Code | | | | | | 0000 | Approved Processor response: the transaction was approved and authorized. | Approved | Common | T0 | | 0500 | Do Not Honor Processor response: the issuing bank declined the transaction with a generic 'do not honor' code. The buyer should contact their bank. | Declined | Common | T2 | | 0510 | Insufficient Funds Processor response: the card or account does not have sufficient funds to cover the transaction amount. | Declined | Common | T3 | | 5400 | Expired Card Processor response: the card has expired. The buyer must use a valid unexpired card. | Declined | Common | T3 | | 9500 | Suspected Fraud Processor response: the transaction was flagged as suspected fraud by the issuer or processor. | Declined, Error | Occasional | T2 | | 9520 | Lost or Stolen Card Processor response: the card has been reported as lost or stolen. Do not retry; advise the buyer to use another payment method. | Declined, Error | Rare | T3 | ## Payment providers you might find interesting: [View all](/payment-providers) [![UnionPay](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Funionpay.svg) UnionPay UnionPay is a global card payment network used by issuers, acquirers, and merchants to accept UnionPay-branded card payments.](/payment-providers/unionpay)[![Authorize.Net](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fauthorize-net.svg) Authorize.Net Authorize.Net is a payment gateway that helps merchants accept card and bank-account payments through supported merchant accounts and e‑/m‑/](/payment-providers/authorize-net)[![Klarna](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fklarna.svg) Klarna Klarna is a payment provider that lets merchants offer buy now, pay later and flexible payment options at checkout.](/payment-providers/klarna)[![Paysafe Group](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fpayment-providers%2Flogos%2Fpaysafe.svg) Paysafe Group Paysafe Group is a payments provider supporting merchants with payment processing and related tools for accepting and managing transactions.](/payment-providers/paysafe-group) ## Articles you may find interesting: [View all](/blog) [![Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fresolving-cvv-mismatch-payment-declines.jpg) September 15, 2026 Solving CVV Mismatch Declines: Root Causes and Practical Remediation for Merchants Discover why CVV mismatch errors trigger costly false declines across gateways. Learn how to refine risk thresholds, implement dynamic validation, and leverage network tokens to recover revenue without sacrificing security.](/blog/cvv-errors-causes-merchant-solutions)[![Evaluating Payment Recovery Software to Prevent Involuntary Churn](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fsubscription-payment-recovery-software-evaluation.jpg) September 15, 2026 Evaluating Payment Recovery Software to Prevent Involuntary Churn Explore how modern payment recovery platforms use intelligent retries, automated account updaters, and targeted dunning to curb involuntary churn and recover recurring subscription revenue.](/blog/failed-payment-recovery-software)[![Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-performance-optimization-strategies-1.jpg) September 15, 2026 Optimizing Payment Performance: From Intelligent Routing to Soft Decline Recovery Maximizing payment approvals requires moving beyond passive processing. Discover how dynamic routing, network tokens, and smart decline recovery protect revenue and reduce involuntary customer churn across enterprise payment stacks.](/blog/payment-optimization)[![Payment Dispute Resolution and Revenue Recovery Strategies for 2026](https://cdn.smartretry.com/cdn-cgi/image/width=3840&quality=75&format=auto&fit=cover/https%3A%2F%2Fcdn.smartretry.com%2Fuploads%2F2026%2F09%2Fpayment-dispute-resolution-revenue-recovery-strategy.jpg) September 7, 2026 Payment Dispute Resolution and Revenue Recovery Strategies for 2026 Discover how modern payment teams balance fraud prevention with user experience, using network interception tools and intelligent recovery logic to protect baseline revenue and cut false declines.](/blog/payment-dispute-resolution-revenue-recovery) --- ```json {"@context":"https://schema.org","@type":"WebPage","@id":"https://www.smartretry.com/payment-providers/paypal","name":"Paypal","url":"https://www.smartretry.com/payment-providers/paypal","inLanguage":"en","isPartOf":{"@type":"WebSite","@id":"https://www.smartretry.com/#website","name":"SmartRetry","url":"https://www.smartretry.com","description":"Payment recovery guides, tools and reference data from SmartRetry - 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