B
Braintree (PayPal)Braintree 2001
Insufficient Funds
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The account did not have sufficient funds to cover the transaction amount at the time of the transaction — subsequent attempts at a later date may be successful.
Recommended Action
Retry at a later date, ideally timed around payroll cycles.
Common Causes
- Low account balance
- Pending transactions blocking available funds
- Credit limit reached
Recovery Tips
- Visa: Category 2, limit retries to 15 attempts over a rolling 30-day period
- Retry 1-2 days after typical pay dates (1st, 15th)
- Send a friendly reminder before retry
Quick Reference
Code
2001
Category
Soft Decline
Retryable
Yes
Source
Braintree
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 2001 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
2000Retryable
Do Not Honor
The customer's bank is unwilling to accept the transaction. The customer will need to contact their bank for more details regarding this generic decline.
2002Retryable
Limit Exceeded
The attempted transaction exceeds the withdrawal limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.
2003Retryable
Cardholder's Activity Limit Exceeded
The attempted transaction exceeds the activity limit of the account. The customer will need to contact their bank to change the account limits or use a different payment method.
2025Retryable
Set Up Error – Merchant
Depending on your region, this response could indicate a connectivity or setup issue. Contact Braintree support for more information.