Adyen · Decline codes
What does Adyen refusal reason 28 “Withdrawal amount exceeded” mean?
Checked
Adyen refusal reason 28, "Withdrawal amount exceeded", means the transaction amount was higher than the amount permitted for the shopper's card. Adyen's raw responses describe 61 Exceeds withdrawal amount limits: the shopper has exceeded their card limit and can try again after resolving it with the bank, or use another method. It is a soft decline.
- Type
- Soft decline
- Who declined
- The shopper's card issuer
- Retry
- Yes, later or with a smaller amount. Visa category 2: up to 15 reattempts in 30 days.
- Shopper action
- Raise the limit with the bank or use another card.
- Merchant action
- Retry later or ask for another card.
What PlatformDTC does
PlatformDTC does not connect to Adyen; its checkout runs on Stripe and PayPal. On its Stripe rail PlatformDTC reads raw 61 as a limit that clears with time: renewals get up to four attempts on a +2/+5/+8 day schedule, without the insufficient-funds wording in customer emails.
Why it happens
Issuers cap how much can be spent on a card in a period. This payment would have pushed the card over that cap.
What the shopper can do
Ask your bank to raise the limit, wait for it to reset, or pay with another card.
What the store can do
Retry later, not straight away. Visa allows up to 15 reattempts in 30 days for raw 61.
For developers
refusalReasonCode "28", raw 61 (Visa category 2).
Frequently asked questions
- Is Adyen refusal 28 the same as insufficient funds?
- No. It is a spending limit on the card; insufficient funds is refusal 12.
- When can I retry Adyen refusal 28?
- Later, once the limit resets or is raised; Visa caps reattempts at 15 in 30 days.
Sources
Related
- 29 — The card has been used more times than its issuer allows in the period (raw 65).
- 12 — The card does not have enough money or credit for this amount.
- 31 — The shopper's bank reported the payment as suspected fraud (raw 59 or 34).
- 32 — The billing address entered does not match the bank's records.
- 38 — The issuer declined the exemption request and requires 3D Secure for this payment.
- 39 — The 3D Secure result never arrived from the card scheme's directory server.
- 42 — 3D Secure failed because of a problem at the card network or issuer.