10422
PayPal Software
Severity: MinorWhat Does This Error Mean?
PayPal Error 10422 reads 'Customer must choose new funding sources'.
The merchant tried to charge the funding source you previously used — but that source is no longer available.
Maybe the card expired, maybe you removed it, maybe PayPal itself moved the source out of eligibility.
You sign in to PayPal, pick a different card or your balance, and approve the charge.
Affected Models
- PayPal recurring billing (subscriptions)
- PayPal Express Checkout
- PayPal billing agreements with merchants
- Reference transactions (PayPal Pro)
Common Causes
- Saved card on the billing agreement expired
- Bank account was unverified or removed since the agreement was set up
- PayPal flagged the original source as ineligible (risk flag)
- Currency mismatch — the saved source can't pay in the merchant's currency
- User's PayPal balance was the source and is now zero
How to Fix It
-
Sign in to PayPal.
When you see Error 10422 at a merchant, it usually links you to PayPal automatically.
If not, open paypal.com and sign in with the same account you use for that merchant. -
Pick a different funding source.
On the payment screen, click 'Change' next to the payment method.
Choose another card or your bank account.
If you don't see anything else listed, you only had one source attached — add a new one in Wallet first. -
Add a new card if needed.
Wallet → Link a new card.
Enter card number, expiry, CVV, and the billing address that matches the card.
PayPal does a small verification charge that reverses within days.
The new card is now eligible for the merchant's transaction. -
Confirm the saved billing agreement.
If this was a recurring subscription (Netflix, Spotify, etc), check Settings → Payments → Manage automatic payments.
Find the merchant.
Make sure the funding source listed there is current and not expired.
Update if needed. -
Retry the merchant payment.
Go back to the merchant's checkout and click Pay again.
The new funding source is now in PayPal's available list.
The 10422 should be gone.
Frequently Asked Questions
Why did this happen for a subscription that was working last month?
Most often: the saved card expired between billing cycles.
PayPal stores card details with an expiry date; once that date passes, the card becomes ineligible for new charges.
Banks issue replacement cards before expiry but only some banks push the new details to PayPal automatically.
Update the card in Wallet and you're set.