How To Fix Paypal Code Error 10486?

Error code 10486 is returned to merchants when a buyer's payment fails due to a decline on the choosen funding method. If the merchant receives this error code from PayPal, the Merchant can redirect the buyer back to the PayPal page to select an alternate payment source or to add a new funding instrument.

When a buyer's funding source fails, the DoExpressCheckoutPayment call returns a 10486 error. If this error occurs, you can redirect the buyer to PayPal where the buyer can add or choose an alternate funding source.

A funding source might fail for these reasons:

1. The billing address associated with the financial instrument could not be confirmed.
2. The transaction exceeds the card limit.
3. The transaction was denied by the card issuer.

These topics provide more details:

1. Requirements
2. Error code details
3. Integration details
4. Test your integration
5. The buyer's experience

Integration details

Integration details depend on how you set PaymentAction in your implementation.

Sale or authorization integrations

Upon receiving this error code for a sale or an authorization, redirect the buyer to PayPal by using the existing Express Checkout token. On the PayPal page, the buyer is presented with an error message that explains the reason for the decline. Additionally, the buyer can add or select an alternate funding source. After the buyer changes the financial instrument, you can reattempt the payment.

This diagram shows the redirect flow for DoExpressCheckoutPayment when PaymentAction is set to sale or authorization:

Note: This feature makes no changes to the current token expiry period.

Integration steps

Modify your front-end error code handling to redirect the buyer to PayPal by using the same redirect URL that was used to originally start the checkout flow.

This example shows the redirect URL and token:

https://www.paypal.com/cgi-bin/webscr?cmd=_express-checkout&token=EC-ABCDE12345