C
Checkout.comCheckout 20051
Insufficient Funds
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The cardholder's account does not have sufficient funds to complete the transaction.
Recommended Action
Retry after a delay. The cardholder may need time to replenish their account.
Common Causes
- Account balance is too low
- Available credit has been exhausted
- Pending transactions are holding funds
Recovery Tips
- Retry around common pay cycle dates (1st, 15th of the month)
- Use an intelligent retry schedule with exponential backoff
- Notify the customer so they can add funds
Quick Reference
Code
20051
Category
Soft Decline
Retryable
Yes
Source
Checkout
Recoverability verdict
This is a soft decline. This revenue is often recoverable.
Payments failing with code 20051 are often recoverable with the right retry timing and routing. Slicker recovers up to 70% of soft declines with smart retries.
Related Decline Codes
20001Retryable
Refer to Card Issuer
The issuer has declined the transaction and asks the cardholder to contact them. This is a generic referral response.
20002Retryable
Refer to Card Issuer - Special Conditions
The issuer has declined the transaction under special conditions. The cardholder should contact their bank.
20005Retryable
Declined - Do Not Honour
The issuer has declined the transaction without providing a specific reason. This is the most common decline code and covers a wide range of issuer-side rejections.
20009Retryable
Request in Progress
The transaction is currently being processed. A duplicate request may have been submitted.