The message says “before retrying this card” for a reason. PayPal’s system has already flagged that a simple retry will fail. Doing it “better” means investigating first.
If this keeps happening with your debit card, stop using it on PayPal. Link a credit card instead. Credit cards almost never throw this error because they are designed for authorization holds. The message says “before retrying this card” for
Check your available balance (not just the current balance) in your online banking portal. The message says “before retrying this card” for