V
Worldpay from FIS (Vantiv)Vantiv 113
Insufficient Funds - Retry After 24 Hours
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
Insufficient funds. The network advises retrying after at least 24 hours.
Recommended Action
Wait at least 24 hours before retrying.
Common Causes
- Insufficient funds — cardholder may be awaiting a deposit
Recovery Tips
- Schedule a retry after 24 hours
- Consider aligning retries with pay cycle dates
Quick Reference
Code
113
Category
Soft Decline
Retryable
Yes
Source
Vantiv
Related Decline Codes
100Retryable
Processing Network Unavailable
There is a problem with the card network or PINless Debit network. The processing network is temporarily unavailable.
101Retryable
Issuer Unavailable
The card issuer's system is unavailable. The issuing bank cannot authorize the transaction at this time.
102Retryable
Re-submit Transaction
There is a temporary problem with the submission. The transaction should be re-submitted.
108Retryable
Try Again Later
The transaction could not be processed due to a transitory communication issue with an internal or external service.
Vantiv 113 recovery
Recover more payments like Vantiv 113
Slicker handles codes like 113 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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