# PayPal Pay-In-3 Issues with Monzo **URL:** \ **Category:** Help\ **Created:** [16 December 2020 06:24 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526 "2020-12-16T06:24:24Z")\ **Posts on this page:** 15\ **Page:** 1
**Author:** ![miketobkk](https://avatars.discourse-cdn.com/v4/letter/m/8edcca/32.png) [@miketobkk](https://community.monzo.com/u/miketobkk)\ **Post date:** [16 December 2020 06:24 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/1 "2020-12-16T06:24:24Z")
How the hell do you get to speak to someone [@Monzo](https://community.monzo.com/groups/monzo)! Especially when overseas. Rant over ! **Problem** I purchased a few items from ASOS using PayPal Pay-In-Three, I made the first payment using my Monzo Card and now I get a message from PayPal saying transaction failed pay or receive a 12 pound late payment fee. Payment has been sent from my Monzo Account looking at the statement. Anyone assist ? M ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [16 December 2020 07:36 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/2 "2020-12-16T07:36:59Z")
Open the monzo app, go to the help section, type ‘contact support’ and there you go But you should probably contact PayPal if you can see the payment has been made. Sounds like the problem is on their end ---
**Author:** ![Anarchist](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/anarchist/32/27895_2.png) [@Anarchist](https://community.monzo.com/u/Anarchist)\ **Post date:** [16 December 2020 07:52 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/3 "2020-12-16T07:52:23Z")
> [@miketobkk](#): > > How the hell do you get to speak to someone [@Monzo](https://community.monzo.com/groups/monzo)! Especially when overseas. Open the transaction, scroll to the bottom and tap “something wrong.” ---
**Author:** ![miketobkk](https://avatars.discourse-cdn.com/v4/letter/m/8edcca/32.png) [@miketobkk](https://community.monzo.com/u/miketobkk)\ **Post date:** [16 December 2020 09:03 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/4 "2020-12-16T09:03:04Z")
I notice in the MONZO help there’s a paragraph that says MONZO holds the money for a declined payment hence why I want to speak to someone. Communication is easy tech seems to make it more complicated. ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [16 December 2020 09:11 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/5 "2020-12-16T09:11:19Z")
If the money has left your account it’s not declined. It’s PayPal you’ll need to speak to. ---
**Author:** ![Ordog](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ordog/32/22446_2.png) [@Ordog](https://community.monzo.com/u/Ordog)\ **Post date:** [16 December 2020 09:21 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/6 "2020-12-16T09:21:36Z")
> [@miketobkk](#): > > I notice in the MONZO help there’s a paragraph that says MONZO holds the money for a declined payment That sounds odd. Have you got a link to the article please? ---
**Author:** ![miketobkk](https://avatars.discourse-cdn.com/v4/letter/m/8edcca/32.png) [@miketobkk](https://community.monzo.com/u/miketobkk)\ **Post date:** [16 December 2020 09:29 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/7 "2020-12-16T09:29:34Z")
True but I’m no longer patient to play tennis one says declined and the other paid — I shouldn’t be the umpire in this game just need it sorted. ---
**Author:** ![miketobkk](https://avatars.discourse-cdn.com/v4/letter/m/8edcca/32.png) [@miketobkk](https://community.monzo.com/u/miketobkk)\ **Post date:** [16 December 2020 09:30 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/8 "2020-12-16T09:30:15Z")
Please search in 8000km away trying to return back to the UK for Xmas. ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [16 December 2020 09:33 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/9 "2020-12-16T09:33:03Z")
I presume it’s this, but it doesn’t look relevant unless the payment is still marked as pending ![image](https://global.discourse-cdn.com/monzo/original/3X/3/1/310ce70d11ab58fcb021b8e86074b023464b274f.png) ---
**Author:** ![Ordog](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ordog/32/22446_2.png) [@Ordog](https://community.monzo.com/u/Ordog)\ **Post date:** [16 December 2020 09:33 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/10 "2020-12-16T09:33:12Z")
I did and couldn’t find it which is why I asked Money from declined payments don’t go anywhere because they’re declined. No bank that I’m aware of would hold the funds - why would they? ---
**Author:** ![Ordog](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/ordog/32/22446_2.png) [@Ordog](https://community.monzo.com/u/Ordog)\ **Post date:** [16 December 2020 09:36 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/11 "2020-12-16T09:36:02Z")
Thanks @Rat_au_van 🙂 > [@Rat\_au\_van](#): > > it doesn’t look relevant unless the payment is still marked as pending So Monzo aren’t holding his money then, so as mentioned earlier they need to speak to PayPal. ---
**Author:** ![Rat\_au\_van](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/rat_au_van/32/49103_2.png) [@Rat\_au\_van](https://community.monzo.com/u/Rat_au_van)\ **Post date:** [16 December 2020 09:38 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/12 "2020-12-16T09:38:39Z")
Dunno, I’m guessing the OP has checked if it’s in pending status or not. Also not sure if it’s a card payment or direct debit Presuming it’s a cleared card then yes, it’s a PayPal thing. Although Monzo could give the OP the transaction number to help PayPal find the payment ---
**Author:** ![HoldenCarver](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/holdencarver/32/32425_2.png) [@HoldenCarver](https://community.monzo.com/u/HoldenCarver)\ **Post date:** [16 December 2020 10:27 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/13 "2020-12-16T10:27:10Z")
I’ve had a look on the PayPal site for the FAQs, and it says several times that if payments don’t work for any reason, you should contact PayPal through their contact link. The FAQ also says that payments are by debit card rather than direct debit, which would seem to rule out a direct debit mandate not being set up properly. It’s unclear to me if any money has actually left OPs account yet. If so, they really should be asking PayPal why they can’t trace it, as well as getting more information from Monzo to help PayPal trace it. ---
**Author:** ![Revels](https://dub1.discourse-cdn.com/monzo/user_avatar/community.monzo.com/revels/32/120556_2.png) [@Revels](https://community.monzo.com/u/Revels)\ **Post date:** [16 December 2020 10:37 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/14 "2020-12-16T10:37:32Z")
Click on the payment and scroll to the bottom, under where it says about getting help/something wrong, in grey writing will be another reference. Does it say pending? ---
**Author:** ![system](https://global.discourse-cdn.com/monzo/original/3X/a/e/aedf2f7852aef6ffcd99f29eac49128cfbd2ecc3.svg) [@system](https://community.monzo.com/u/system)\ **Post date:** [14 June 2021 10:37 UTC](https://community.monzo.com/t/paypal-pay-in-3-issues-with-monzo/110526/15 "2021-06-14T10:37:40Z")
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