Managed Payments blocking all checkout attempts — no explanation after 5 support contacts | Payments

Managed Payments blocking all checkout attempts — no explanation after 5 support contacts

Summary: echogazer is experiencing persistent issues with declined payments on eBay across various payment methods, despite adequate funds and bank approval. The user has taken multiple steps to resolve the issue, including contacting eBay customer service five times, verifying with banks, and trying different accounts and payment methods, but the problem persists. They have requested a review by eBay's Managed Payments or Payments Risk team to identify and resolve the restriction causing payment failures.

I have been unable to complete purchases on eBay for several weeks because every payment attempt is declined at checkout, regardless of payment method used.

Steps taken to rule out other causes:

Confirmed with my bank that sufficient funds are available.
Confirmed with my bank that they are approving the transactions on their end — they told me directly that the decline is happening on eBay's side, not theirs.
Attempted multiple different credit and debit cards, all declined.
Attempted PayPal (with card linked) and Apple Pay, both declined.
Attempted checking out as a guest, creating new accounts, and using my wife's separate eBay account — all declined.

I have contacted eBay customer service five separate times. Each representative confirmed there is no visible account block or restriction on my account, and none could explain why payments continue to fail across every method and account I have tried. This pattern strongly suggests a payments-risk or device-level restriction on eBay's end that front-line customer service cannot see or resolve.

I'm requesting that eBay's Managed Payments or Payments Risk team review my account specifically, identify the restriction preventing me from completing purchases, and either resolve it or provide a clear explanation of why my payments are being blocked.

I've made five good-faith attempts to resolve this through normal customer service channels without success.