What does decline code 51 mean?

Insufficient funds. Soft decline. For subscriptions schedule smart retries (e.g. +1, +3, +7 days).

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Decline code 51 — Insufficient funds

Retry: Yes, later (e.g. after payday).

ISO 8583 response code 51.

Code

51 ISO 8583

Meaning

Insufficient funds

Type

soft decline

Retry?

Yes, later (e.g. after payday)

What to do

Soft decline. For subscriptions schedule smart retries (e.g. +1, +3, +7 days).

Tell the customer

“Insufficient funds. Please use another card or try later.”