Decline Code Lookupby Anthony Skolozdrzyk-Ardouin

Insufficient Funds & Limits

The cardholder doesn't have enough available balance or credit, or the transaction exceeds a withdrawal/spending limit.

Insufficient Funds & Limits

Exceeds Withdrawal Frequency

This decline means the issuer has capped the number of transactions allowed on the account within a given period, and that limit has been reached — regardless of the dollar amount involved. It's distinct from a dollar-amount withdrawal limit, since even small transactions will be declined once the count threshold is hit.

Insufficient Funds & Limits

Exceeds Withdrawal/Activity Limit

This decline means the transaction amount, or the cumulative amount of recent transactions, exceeds a limit the card issuer has set on the account — separate from whether the account has enough total funds or credit available.

Insufficient Funds & Limits

Insufficient Funds

An "Insufficient Funds" decline means the cardholder's account doesn't have enough available balance or credit to cover the transaction amount. It is not fraud and does not require the merchant to take any security action — the customer typically needs to use a different card or payment method.

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