Open a Fidelity Cash Management account - they do exactly that, deny the charge with absolutely no fee. I accidentally chose to pay with my bank account instead

Open a Fidelity Cash Management account - they do exactly that, deny the charge with absolutely no fee. I accidentally chose to pay with my bank account instead of my credit card on PayPal, the charge was denied with no fees. On top of that the account has no account fees, no minimum balance, free checks, and ATM reimbursements.