I've been having this issue too. Yesterday I spoke with ebay tech on chat and the guy was helpful, we went through several workarounds and eventually we found one that worked and I made my payment. I logged out of ebay, the tech guy removed my card details. I logged in via the Australia site and put my card details in and it worked.
Unfortunately, due to a misunderstanding with the seller the order was cancelled. I logged on today to try and reorder the item but I'm met with the same payment errors for both Card payment and Paypal So I use ebay chat again (hopeful after yesterdays success) and I'm immedietely palmed off to paypal.
After persuading the tech guy to put a little more effort in after telling him his colleague fixed it yesterday. I'm given some other workarounds that don't work, including removing my card and account details from my PAYPAL account and trying again with enough balance in Paypal for the purchase. I tried this with still no luck. After this he palms me off to Paypal again. I also explained that my debit card also doesn't work but was told that ALL payments go through Paypal so it must be there issue.
I found this post after searching before going to paypal. This is some pretty terrible support. Even over the space of 24 hours that I know this case has been active for they still do not have a solid workaround or even a statement to give users suffering with the issue.
