In case it helps someone, let me add a possible technicality to consider...
My phone was temporarily out of commission today (the code worked fine on it when I did a test run last night, but I didn't actually end up using it), so I signed on to my ebay account via my friend's phone/app. When I went to check out, the code did not work. Tried it a few different times in succession and got the same result, it did not work. So I signed out, and he signed in to his account to buy the same card and BAM!!! the code worked fine. I'm sure the number of people experiencing what I just described is miniscule, but just make sure you're using the actual account of the user whose phone you are on.
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