Description

The payment failed because the transaction would exceed the maximum balance allowed on the gift or prepaid card. This occurs when attempting to load or activate an amount that surpasses the card's limit as defined by the issuer or regulatory requirements.

Recommended Customer Message

Your payment could not be processed because the amount would exceed the maximum balance allowed on this card. Please try a smaller amount or use a different payment method.

Root Cause

• Exceeding card balance limits: The transaction attempts to load or activate an amount that surpasses the maximum allowed for that gift card type.
• Issuer restrictions: The card issuer enforces a cap on the maximum loadable or storable amount.
• Regulatory compliance: Some jurisdictions limit the maximum value that can be stored on prepaid or gift cards.

Troubleshooting and Solutions

• Inform the customer that their activation or load amount exceeds the maximum balance allowed for their gift card.
• Ask the customer to reduce the load amount and try the transaction again.
• Ask the customer to refer to their card issuer's terms to understand applicable limits.
• Validate maximum load limits against issuer guidelines during checkout or top-up workflows.
• Evaluate if you want to block prepaid cards at the entry going forward if similar failures happen.