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.