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Clover Error Code 51: Insufficient Funds - Quick Fixes & Solutions

Telling a customer they don't have enough money is one of the most awkward parts of retail. You want to help them while maintaining their dignity and completing the sale if possible.

Quick Fixes to Try Right Now

1

Offer Split Payment

Suggest splitting the purchase between two cards or methods.

2

Reduce Purchase Amount

Help the customer remove items to bring the total within their available balance.

3

Try Debit vs Credit

Sometimes running as credit vs debit (or vice versa) accesses different accounts.

4

Suggest Mobile Payment

Apple Pay, Google Pay, or other digital wallets might have different funding sources.

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

Tired of Clover Headaches?

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Frequently Asked Questions

What is Clover error code 51?
Error code 51 means 'Insufficient Funds.' The customer's account balance is lower than the transaction amount.
Is error 51 always about money?
Usually, but sometimes it indicates daily limits reached rather than zero balance. The customer may have funds but hit their daily spending cap.
Can I retry error 51 for a lower amount?
Yes, you can try processing a smaller amount if the customer agrees to reduce their purchase.