Credit Card processing for your account has not yet been activated by PayPal

Hi @mikepalmer,

Your account must be enabled for Advanced Card Payments to be able to activate the PayPal Card Processing: https://woocommerce.com/document/woocommerce-paypal-payments/#paypal-card-processing-acdc

If your account is not enabled for it, you can only provide the standard black credit card button.

I have tried using a credit card on the checkout page, but got a failed transaction.

What error message is mentioned in the order notes of the WooCommerce order?
Thanks!

Kind regards,
Niklas

Hi @mikepalmer,

Advanced Card Payments are a fairly new PayPal feature, and PayPal Payments was the first integration to implement it. So to use it with your existing PayPal account, the account must be enabled for it by PayPal.
This can be done either from the documentation here: https://woocommerce.com/document/woocommerce-paypal-payments/#sign-up-for-advanced-card-payments

I had previously used the onboarding process for a different PayPal account, and it didn’t give me the option to onboard again with the new PayPal account.

Only one live account can be connected at a time, so disconnecting your account and then reconnecting it with the onboarding wizard while Securely accept all major credit & debit cards on the strength of the PayPal network and Advanced Card Processing are selected also initiates the sign-up.

The error Instrument declined is not a technical problem, but the card provider declined the payment. You could ask the PayPal MTS for more details but usually there isn’t too much PayPal can say but the bank should be able to resolve this problem.

Kind regards,
Niklas

Hi Mike,

Thanks for the update.

When the transaction was refused because of a blocked card, the PayPal login screen was displayed, and there was no indication of what the problem was. Is there a way to return to a website page with a more user-friendly message in the event of a failed transaction?

There should usually be a more user-friendly error message, but the plugin cannot directly control what is displayed inside the PayPal iframe.
Generally, when the instrument has been declined, the payment process is restarted up to two times (the buyer may be redirected to PayPal), and after the third time, the user should be returned to the Checkout page with the error: Please use a different payment method.

If you want to give it a try, this error behavior can be tested with a PayPal sandbox account connected and this filter:

add_filter('ppcp_request_args', function ($args, $url){
    if (strpos($url,'capture') !== false) {
        $args['headers']['PayPal-Mock-Response'] = '{"mock_application_codes": "INSTRUMENT_DECLINED"}';
    }
    return $args;
}, 10, 2);

Kind regards,
Niklas