SMS otp function can be down for a few days
I called PayPal support on Friday, since I was not getting sms otp when trying to log into my account. Called their support about it, they said it's outage and they are working on it already. Well 2 days later, their sms otp is still not working and I still cannot use my account, I also cannot open a new one since you also need SMS code when creating account. I would say to use PayPal only if you really need to, otherwise avoid it as much as you can, their support is also Mon-Fri, no 24/7 help.