Fix PayPal 'We Can't Complete This Payment' Error (2025)

Updated: 11/29/2025

You are trying to send money to a friend or pay for an item, and PayPal stops you cold with the vague message: 'We can't complete this payment right now. Please try again later.'. This is rarely a problem with your bank balance. Instead, it is usually PayPal's automated Security Model flagging the transaction as 'high risk' because of a change in your login pattern, device, or IP address.

Table of Contents

Why did the Security Model flag me?

PayPal's AI monitors every tap and click. It likely blocked you because:

  • You logged in from a new location or device.
  • You are using a VPN or Proxy (PayPal hates these).
  • You tried to send the same amount multiple times in a row.
Warning: Do not spam the 'Send' button. After 3 failed attempts, your account may be soft-locked for 24-48 hours.

Method 1: The 'Card Confirmation' Fix

If you are using a debit or credit card, PayPal might need to verify you actually own it.

Step 1: Go to Wallet

Log in and click on Wallet at the top.

Step 2: Confirm Card

Click the card you are trying to use. If you see a link that says 'Confirm Card', click it. PayPal will charge you $1.95 and send a 4-digit code to your bank statement.

Step 3: Enter Code

Check your online banking for the code (e.g., PP*1234 CODE). Enter it in PayPal to whitelist that card for instant transfers.

Method 2: Clear Specific PayPal Cookies

Sometimes a 'Risk Cookie' gets stuck in your browser, telling PayPal you are a suspicious user.

Step 1: Browser Settings

In Chrome, go to chrome://settings/siteData.

Step 2: Search and Destroy

Type paypal in the search bar. Click the Trash Can icon to delete all local data for PayPal. Restart your browser and try the payment again.

Method 3: Switch Payment Hierarchy

If your Bank Transfer is failing, try using your PayPal Balance or a Card instead. The security flag is often tied to the specific funding source, not your whole account.