Hello. Well that depends. Your account probably got limited due to how new either your account was or your friend's account. You would have to give more details on that one for the reason to be determined.
Yes, the card has gto match the zip code of the BILLING address, as in the address that's on your paypal account (paypal home address). But be careful, as sometimes some seller's only will ship items to CONFIRMED addresses, which means that the address that's linked to your paypal account (paypal home address) has to ALSO be your shipping address for them to send it there.
All vanilla cards work, you just need to know how to confirm them.
Also, don't go sending large amounts of money lik that between accounts, it raises flags. Anything over about $200 will raise flags when transferred as a "gift" between accounts, especially when they're paid with a credit card.
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