Stripe insufficient_funds: what it means and how to fix it
The account behind the card does not have enough money or credit available for the charge.
Should you retry?
Soft decline: retrying later can work
Common causes
- Low balance on debit cards
- Credit limit reached
- Timing relative to payday
How to recover the payment
- Schedule retries around the 1st and 15th of the month
- Send a friendly dunning email with an update-card link
- Offer a smaller plan or a pause instead of cancelling
See how much failed payments cost you
Korrali Revenue looks for revenue leaks in your Stripe account, including failed payments and duplicate charges, and shows what each one costs.
Other decline codes
General information based on Stripe's documented decline codes. Issuer behaviour varies. Check Stripe's current documentation for your account.