You may sometimes see an insufficient funds notification for your debit or credit card, even though your card displays enough available funds, which will cause a payment to be declined or a transaction to be cancelled.
What's the cause?
In most cases, an insufficient funds notification on a card is triggered by a mismatch between the card’s debit balance or credit line and the actual available funds:
Debit balance in Payhawk refers to the total amount that can be spent - the entity’s maximum spending limit using existing funds.
Credit line in Payhawk indicates the total amount that can be borrowed - the entity’s maximum borrowing capacity.
Available funds are the current amount accessible for spending on the card, subject to policy rules and predefined limits.
The insufficient funds notification typically occurs because the card’s displayed available funds do not reflect the true available balance in the connected debit account or credit line.
If the debit balance or credit line itself lacks sufficient funds, transactions will be declined, regardless of the Available funds shown on the card.
What's the solution?
As Payhawk Support is not authorized to update debit or credit limits, to extend or modify the debit balance or credit line, contact a Payhawk Administrator at your company. Depending on the case, ask them to do any of the following:
Top up the funds in the account if they've been depleted.
Change your card’s funding source to another debit or credit funding source if the company has one and if its available funds are sufficient.
Increase your spending limit.