PY01002: Insufficient Funds
What This Means
The payment was declined because there isn't enough money in the account to cover the transaction.
Common Causes
- Low account balance — Not enough funds available
- Pending transactions — Other pending transactions reducing available balance
- Credit limit reached — For credit cards, the limit is maxed out
- Hold on funds — Funds are on hold for other transactions
How to Fix
1. Use a Different Payment Method
The quickest solution:
- Try a different card
- Use cash
- Split payment across multiple methods (if supported)
2. Reduce the Order Amount
If partial payment is possible:
- Remove some items
- Apply discounts or coupons
- Complete a smaller transaction
3. Customer Actions
The customer may need to:
- Transfer funds to the account
- Wait for pending transactions to clear
- Pay off credit card balance
- Request a credit limit increase
4. Split the Transaction
If your POS supports split payments:
- Pay part with one card
- Pay the remainder with another method
Privacy Note
When communicating this to customers:
- Be discreet about the specific decline reason
- Simply state "the card was declined"
- Allow them to try another payment method privately