Adyen · Decline codes
What does Adyen refusal reason 12 “Not enough balance” mean?
Checked
Adyen refusal reason 12, "Not enough balance", means the card does not have enough money to cover the amount. Adyen maps raw response 51 Insufficient funds/over credit limit to it. The shopper can add funds or use another card. It is a soft decline: a later retry can work, and Visa allows up to 15 reattempts in 30 days for this category.
- Type
- Soft decline
- Who declined
- The shopper's card issuer
- Retry
- Yes, later. Visa category 2: up to 15 reattempts in 30 days. Mastercard advice codes 24–30 give timed retries.
- Shopper action
- Add funds or use another card.
- Merchant action
- Retry after payday or ask for another card.
What PlatformDTC does
PlatformDTC does not connect to Adyen; its checkout runs on Stripe and PayPal. The same answer arrives as Stripe's insufficient_funds; PlatformDTC retries renewals up to six times at +2/+5/+8/+13/+18 days, moved onto the subscriber's payday when one falls within seven days.
Why it happens
The balance or credit limit is lower than the amount. Adyen's own example: raw 51 Insufficient funds/over credit limit maps to refusalReason Not enough balance.
What the shopper can do
Top up the account or pay with a different card.
What the store can do
Retry later instead of immediately; balances refill on payday. Visa caps category 2 reattempts at 15 in 30 days.
For Mastercard, merchant advice codes 24 to 30 tell you exactly when to retry, from one hour up to 10 days.
For developers
resultCode "Refused", refusalReasonCode "12", refusalReasonRaw "51 : Insufficient funds/over credit limit" when raw results are enabled.
Frequently asked questions
- Can I retry Adyen refusal 12?
- Yes, ideally after payday. Visa allows up to 15 reattempts in 30 days, and Mastercard advice codes 24 to 30 give specific waits.
- Which raw code sits behind Adyen refusal 12?
- Adyen's example is raw 51, Insufficient funds/over credit limit.
Sources
- Adyen refusal reasons — Adyen
- Adyen raw acquirer responses — Adyen
- Mapping to Visa system integrity fee categories (retry limits) — Adyen
- Mastercard merchant advice codes (retry guidance) — Checkout.com
- Stripe decline codes — Stripe
Related
- 28 — The amount is above the spending limit allowed on the card (raw 61).
- 29 — The card has been used more times than its issuer allows in the period (raw 65).
- 2 — The issuer refused the payment and gave no usable reason; Adyen's catch-all refusal.
- 14 — The acquirer flagged the payment as possible fraud.
- 15 — The transaction was cancelled before it completed.
- 16 — The shopper cancelled the payment before completing it.
- 20 — Adyen's pre-authorization risk checks scored the payment 100 or more and refused it.
- 21 — The transaction was not submitted correctly for processing.