smart money - paypal error

To properly document the procedure for adding then verifying a smart money card with paypal, I removed my smart money card from paypal and tried to add it again. Unfortunately I'm getting an error. I'm recieving a text message right after trying to add the card.

 approval of Php 43.88 purchase at PAYPAL Merchant from card . Avail Bal: PhP  . Ref:  

and paypal is showing this error

This credit card has been denied by the bank that issued your credit card. For details on why your card was denied, please contact your credit card issuer's customer service department. Or, you may want to try adding a different credit card.

You should not have any Php 43.88 charge to your smart money card. You should have a 100 peso charge but only upon verifiying the card. And I haven't reached verification stage yet. That comes after adding the card.

I have tried two times several days apart. Since I was able to add and verify  my smart card last month, I have to assume there is a problem in the system, probably with Smart.