If this happens, the only solution is to try our PayPal checkout option, and use a credit card or PayPal account there.

Sometimes that works, even if the exact same credit card on our site does not. This is ironic, since we use PayPal for credit card processing. They are a bit more strict with credit cards that come from us than on their own site, it seems.

By the way, what this error means is that PayPal rejected the transaction, not that we did it.

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