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Clover Decline Code: Insufficient Funds: Insufficient Funds - Quick Fixes & Solutions

Telling someone they don't have enough money is never comfortable. You want to help your customer complete their purchase while preserving their dignity. It's a delicate balance.

Quick Fixes to Try Right Now

1

Offer Split Payment

Suggest dividing the purchase between two payment methods.

2

Reduce the Order

Help the customer remove items to lower the total.

3

Try Debit as Credit

Sometimes running as credit accesses a different account or line of credit.

4

Mobile Payment Options

Apple Pay or Google Pay might be linked to accounts with funds.

Still Having Issues? Compare Your Options

Feature Clover CapClover
Customer Support Long hold times, unresponsive Your assigned rep's direct line
Business Funding Limited or no options Up to $500,000
Approval Time Weeks or denied Same-day decisions
Hidden Fees Frequently reported Transparent pricing
Contract Terms Early termination fees Flexible terms

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Frequently Asked Questions

What does Insufficient Funds mean on Clover?
Insufficient Funds means the customer's account balance is lower than the transaction amount. They don't have enough money for the purchase.
Is it always a zero balance?
No. Sometimes the customer has money but has hit their daily spending limit. The available balance for transactions may be less than the actual account balance.
How should I handle insufficient funds?
Be discreet and respectful. Offer alternatives like split payment, reduced purchase, or suggest they check their banking app for their actual available balance.