Payment Declined - Shopify Payment

Shopify Partner
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I am using shopify payment.

But many of my orders get rejected saying insufficient funds, (when i click on abandoned checkout and click on error) 

Your card has insufficient funds.



The above client tried 3 different cards, yet unable to pay.

Most of the payments rejected is via shop pay.


Please help me out.

Reply 1 (1)
Shopify Staff
Shopify Staff
1414 145 258

Hi @farooqkhan,

Hyde here from Shopify.

That's strange! When you say "many" of your orders are being rejected due to insufficient funds, could you give me an idea of how many that is, please?

When the error presented is "insufficient funds" then the error is precisely that - the customer trying to purchase from your store did not have enough money to complete the purchase.

If there has been a sudden large number of attempted purchases on your store with credit cards that do not have sufficient funds, it may be worth taking a few steps to ensure you're not vulnerable to a chargeback. Here is some more information on chargebacks for you to go over. Really with any online store your best recourse is preventative: trying to prevent orders being placed on your store that are potentially fraudulent.

Your best way of doing this is a combination of Shopify's own fraud analysis algorithm, which cross-references billing and shipping addresses with card details and names to try to ascertain the credibility of the buyer, your own investigative efforts by using our Fraud Prevention Tips and using the Fraud Filter app.

Another thing you could try doing is ensuring you are manually authorizing your orders, instead of doing it automatically. This will give you the opportunity to have a look at the order to see if anything seems off to you. You could cross-reference with the fraud prevention tips I listed above. You'd change this setting by going to Settings > Payments:



You could then once again place details from the suspicious orders into your Fraud Filter app. 

If you're based in the US, you may also be eligible for our Fraud Protect feature, which is a type of insurance against chargebacks. Only businesses that meet certain criteria are eligible for Fraud Protect. For example, your business must be based in the United States and must use Shopify Payments. If you see a Fraud Protect section on the Shopify Payments page in your Shopify admin, then you are eligible for Fraud Protect.

I hope this all helps, but do let me know if you have any further questions.

All the best, Hyde.

Andrew | Social Care @ Shopify 
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