For me, PayPal said nothing until I called them. I made an expensive purchase via PayPal, they bounced it back with no notification that it was bounced back whatsoever, making it a headache for me and the seller. I had to make sure that it wasn’t going out twice, which thankfully it didn’t but the lack of an error message or anything was so unhelpful.

I just used my card straight-up after that. The card was under Visa, so it was subject to Visa’s checks as well as the bank’s own (where you can use SMS or app-based verification).