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Braintree · Decline codes

What does Braintree 2074 “Funding Instrument In The PayPal Account Was Declined By The Processor Or Bank, Or It Can't Be Used For This Payment” mean?

Checked

Braintree 2074 means the funding instrument in the buyer's PayPal account, a card or bank, was declined by its bank or cannot be used for this payment. It is a hard decline. Reach out to the customer for another payment method, or ask them to choose a different funding source in PayPal.

Type
Hard decline
Who declined
The bank behind the PayPal account
Retry
Yes, later or with another funding source
Shopper action
Pick another funding source in PayPal
Merchant action
Ask for another payment method

What PlatformDTC does

PlatformDTC does not connect to Braintree. On its own PayPal rail this is PayPal's INSTRUMENT_DECLINED, which PlatformDTC tries on renewals up to seven times in all, at least three days apart, timed to the subscriber's payday, inside a window of at least 24 days.

Why it happens

The card or bank account PayPal tried to use was refused, often for funds or a bank block.

What the shopper can do

Open PayPal, choose a different card or bank as the funding source, and try again.

What the store can do

Contact the customer to update their PayPal funding source or use another method.

For developers

Braintree returns processor_response_code 2074 with processor_response_text “Funding Instrument In The PayPal Account Was Declined By The Processor Or Bank, Or It Can't Be Used For This Payment” and processor_response_type “hard_declined” on the Transaction object.

Frequently asked questions

Is Braintree 2074 PayPal's decision?
No. The card or bank behind the PayPal account declined.
Can the buyer fix 2074?
Yes, by choosing a different card or bank in PayPal.

Sources

Related

Payments library