Description

The payment failed because the customer's account has a low or insufficient balance to complete the transaction. This can occur when available funds are below the transaction amount or when funds are held for other pending transactions.

Recommended Customer Message

Your payment could not be processed because your available balance is below the required amount. Please add funds to your account or use a different payment method.

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.
• Ask the customer to 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.