Root Cause

• Low account balance: The customer's available balance is lower than the transaction amount.

• Pending holds: Funds are reserved for other transactions, reducing the available balance.

• Overdraft limits: The account does not allow overdrafts or has exceeded the allowed overdraft limit.

• Card limits: Daily or transaction-based card limits are reached.

Troubleshooting and Solutions

• Inform the customer that their payment failed due to insufficient funds.

• Ask the customer to:

  • Add sufficient funds to their account.

  • Use an alternative payment method such as a different card, wallet, or bank account.

• Implement smart retries in your system to retry the transaction automatically to retrieve funds when available.

• Allow the customer to update their preferred payment method within your application if available.