I just wanted to provide an update to this thread. I am currently working with a non-profit who did not have a debit card and no one wanted to provide a personal debit card. So I figured out a work-around. I logged into their PayPal account (with permission of course) and applied for the PayPal business/ debit card. I tried connecting again and it worked! No need to wait for the card to arrive, I guess you just need some kind of card on file, even if it's the PayPal card itself. Hope this helps someone else!