生产环境创建PayPal订单触发PAYEE_NOT_ENABLED_FOR_CARD_PROCESSING错误求助

我在生产环境创建PayPal订单时遇到如下错误：

{
      "issue": "PAYEE_NOT_ENABLED_FOR_CARD_PROCESSING",
      "description": "Payee account is not setup to be able to process card payments. Please contact PayPal customer support."
}

沙箱环境下构建并测试API完全正常，但生产环境始终报这个错。我已经先后对接了5位以上不同的PayPal客服代表，辗转多个部门，却始终没人能明确告诉我该如何解除这个账户限制。

我的请求示例如下：

curl -v -X POST https://api-m.paypal.com/v2/checkout/orders \
-H "Content-Type: application/json" \
-H "Authorization: Bearer <Access-Token>" \
-H "PayPal-Request-Id: ######" \
-d '{
  "intent": "AUTHORIZE",
  "purchase_units": [
    {
      "reference_id": "d9f80740-38f0-11e8-b467-0ed5f89f718b",
      "amount": {
        "currency_code": "USD",
        "value": "100.00"
      }
    }
  ],
  "payment_source": {
    "card": {
      "number": "4111111111111111",
      "expiry": "2023-02",
      "billing_address": {
        "postal_code": "95131",
        "country_code": "US"
      }
    },
    "stored_credential": {
      "payment_initiator": "MERCHANT",
      "payment_type": "ONE-TIME",
      "usage": "DERIVED"
    }
  }
}'

我们的业务场景是用户通过电话IVR输入银行卡信息，系统将这些数据以订单形式传给PayPal处理交易。这个流程在沙箱环境测试完全正常，但生产环境无法正常运行。

内容的提问来源于stack exchange，提问作者Jashua J.