A
AdyenAdyen 12
Not Enough Balance
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card does not have enough funds to cover the payable amount.
Recommended Action
Ask the customer to use a card with sufficient funds.
Common Causes
- Low account balance
- Credit limit reached
- Pending transactions blocking available funds
Recovery Tips
- Retry 1-2 days after typical pay dates (1st, 15th)
- Send a friendly reminder before retry
- Consider offering payment plan options
Quick Reference
Code
12
Category
Soft Decline
Retryable
Yes
Source
Adyen
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 12 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
2Retryable
Refused
The transaction was refused by the issuer without additional information.
3Retryable
Referral
The issuer requires a referral — typically a voice authorisation or manual review.
4Retryable
Acquirer Error
The transaction did not go through due to an error on the acquirer's end.
7Retryable
Invalid Amount
An amount mismatch occurred during the transaction process.