# PY01002: Insufficient Funds

## What This Means[​](#what-this-means "Direct link to What This Means")

The payment was declined because there isn't enough money in the account to cover the transaction.

## Common Causes[​](#common-causes "Direct link to 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[​](#how-to-fix "Direct link to How to Fix")

### 1. Use a Different Payment Method[​](#1-use-a-different-payment-method "Direct link to 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[​](#2-reduce-the-order-amount "Direct link to 2. Reduce the Order Amount")

If partial payment is possible:

* Remove some items
* Apply discounts or coupons
* Complete a smaller transaction

### 3. Customer Actions[​](#3-customer-actions "Direct link to 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[​](#4-split-the-transaction "Direct link to 4. Split the Transaction")

If your POS supports split payments:

* Pay part with one card
* Pay the remainder with another method

## Privacy Note[​](#privacy-note "Direct link to 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

## Related Errors[​](#related-errors "Direct link to Related Errors")

* [PY01001](/error-codes/PY01001.md) — Payment Declined
* [PY01003](/error-codes/PY01003.md) — Card Expired