Root Cause

• Insufficient available balance: The customer's account does not have enough funds to complete the transaction.

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

• Temporary banking restrictions: Certain accounts may temporarily limit available funds for transactions.

Troubleshooting and Solutions

• Inform the customer that their available balance is below the required transaction value.

• Ask the customer to:

  • Add funds to their account before retrying the transaction.

  • Use an alternative payment method with sufficient available balance.

• Configure smart retries to attempt the transaction again around common salary days if the issue is expected to be temporary.