insufficient funds over credit limit Decline code 51 is the processing response for insufficient funds or an exceeded credit limit When you get this decline code it s not a good idea to try to process the card again without voice authorization
For individual credit limit response code 51 Insufficient funds over credit limit must be used or Amount is outside of limits defined by rule or regulation for example an installment payment less than the minimum amount allowed or a Gaming Payment Transaction exceeding the maximum amount allowed or Decline Codes Below is a list of decline codes on transactions All returned bank response codes indicate that a transaction did not succeed for some reason In general codes values of 300 or higher are Issuer Declines while those in the 200 series are Rejects
insufficient funds over credit limit
insufficient funds over credit limit
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51 Insufficient funds over credit limit Not sufficient funds Insufficient funds in the cardholder s account The shopper can try again after adding funds to their bank account or use another payment method Insufficient Funds The customer is over their credit limit for the card Have your customer call the number on the back of their card to increase their credit limit or obtain an updated payment method
Issuer response codes Card transactions can sometimes be declined by the issuer resulting in failed payment attempts Airwallex as an acquirer will receive an issuer response code in authorization response from card networks which can be helpful to understand why it failed The table below lists the main valid codes for Mastercard network messages Some codes might not be relevant to Mastercard Send Other codes might be provided and the descriptions might vary depending on the message system and network
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Raw response codes Access Worldpay returns a rawCode if enabled containing the unmodified response code received either directly from the card scheme for Worldpay acquired transactions or from third party acquirers You can use raw response codes to inform your retry logic This article contains details of Mastercard Visa decline return codes and a detailed explanation of each response Mastercard Decline Return Codes Scheme Response Code Merchant Advice Code
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