PaymentRetryAlertStripe decline code insufficient_funds: insufficient funds
What stripe decline code insufficient_funds means
Stripe's mapping of network code 51. The customer's account or card has insufficient funds or credit for the amount. Surfaces as decline_code on the PaymentIntent's last_payment_error and in invoice.payment_failed webhooks.
Should you retry?
Smart Retries will reattempt on a predicted schedule. To retry at the moment funds actually return, add a network signal: PaymentRetryAlert's RETRY_NOW webhook can trigger an immediate invoice pay call through Stripe.
Retry on signal, not on schedule. This is one of the declines Mastercard's
Payment Optimization Platform monitors. When the network sees that a retry is more likely to
approve, PaymentRetryAlert delivers a signed RETRY_NOW webhook so you can retry
through your existing processor at the right moment. See
the full guide to insufficient-funds declines.
Equivalent codes
- Mastercard / ISO 8583 response code:
51Insufficient funds
Frequently asked questions
Is stripe decline code insufficient_funds a soft or hard decline?
Soft decline (retryable). Stripe's mapping of network code 51. The customer's account or card has insufficient funds or credit for the amount. Surfaces as decline_code on the PaymentIntent's last_payment_error and in invoice.payment_failed webhooks.
Should I retry a payment that failed with stripe decline code insufficient_funds?
Smart Retries will reattempt on a predicted schedule. To retry at the moment funds actually return, add a network signal: PaymentRetryAlert's RETRY_NOW webhook can trigger an immediate invoice pay call through Stripe.
Other Stripe decline codes
generic_declineGeneric declinecard_velocity_exceededCard velocity exceededtry_again_laterTry again laternew_account_information_availableNew account information availabledo_not_honorDo not honor- All decline codes
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