PayPal OTP ‘transaction code’ SMS shows EUR for a GBP PayPal Checkout order [closed]

3 weeks ago 15
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We are a UK merchant using WooCommerce + PayPal Checkout (PPCP) in production.

Some payers are prompted for an SMS OTP (‘prove it’s you’ / transaction code). The OTP SMS displays an amount in EUR (and ‘EUR’ explicitly), e.g. ‘PayPal: [OTP] is your €31.24 EUR transaction code’, which causes checkout abandonment. We do not sell anywhere other than the UK, all of our WooCommerce settings have been checked and triple checked, and our currency in Paypal is set explicitly to GBP. We have never accepted or converted EUROS while we have been trading.

The PayPal order + capture are unambiguously GBP:

CHECKOUT.ORDER.APPROVED webhook for order 6G15811221285062W shows purchase_units[0].amount.currency_code = GBP, value 21.00, including item_total and shipping breakdown in GBP. PAYMENT.CAPTURE.COMPLETED webhook for capture 1MS14669G2808110C shows amount GBP 21.00; fee and net amounts are also GBP; it links back to the same order_id. No currency conversion appears in the PayPal transaction details; settlement is in GBP.

Question: has anyone seen PayPal’s OTP/SMS step-up flow render a different currency/amount than the underlying order?

I cannot find any instance of it being mentioned and I have never seen this error before.

(If helpful, I can share the full webhook payloads with PII removed.)

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