What does 'Insufficient balance on payment' mean?

The 'Insufficient balance on payment' error message means no remaining balance is to be modified. This message may appear when you try to modify a payment, such as a capture of funds. 

For example, when the capture delay settings are set to immediate capture. This mean that any authorised payments are automatically and immediately captured. The ‘insufficient balance on payment’ message indicates that a secondary capture attempt was performed on a payment that has already been fully captured. Therefore, no further manual capture requests are required.

An automatic capture can be identified by the <auto> merchant reference in the payment details page of a transaction.

You also receive notification webhooks for the endpoint, which may accept an event code CAPTURE (success: false, reason: Insufficient balance on payment​). This indicates that the second capture attempt could not be completed due to the funds being already captured.  

If a payment has been captured successfully, no further action is required from your end.

Other scenarios

The error can also be returned when trying to over-capture an authorised amount or refund beyond the balance of the initial payment amount. 


A payment is authorised for €50 and a capture request is sent for €60, we would therefore return ‘insufficient balance on payment’


Using the above example, say that the funds have been fully captured(€50) - if you try to perform a refund for €60, it would be rejected with ‘Insufficient balance on payment’.

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