I was having a different issue a few days ago on paypal, saying my account is "not in good standing" for no reason at all, but not related...
If paypal might just be glitching out with the cards, have you tried linking your bank account to your paypal? I often just send payment directly from bank that way.
I dont have a bank account yet, ill be added to my fiances account soon though, thats why i use a reloadable visa. But it was an issue wth my card issuer, getting a new one in 5-10 days