Root Cause

• Card spending limit reached: The customer’s card has reached its daily, monthly, or overall credit limit.
• Insufficient available credit: The current available balance or credit limit is insufficient to cover the transaction amount.
• Issuer-imposed transaction limits: The card issuer enforces per-transaction or per-day spending caps that have been exceeded.
• Temporary spending restrictions: The card issuer has temporarily restricted spending limits due to account activity or risk assessments.

Troubleshooting and Solutions

• Ask the customer to contact their card issuer to increase the spending limit or clarify their current limit status.
• Recommend using a different payment method with sufficient available balance or credit.
• Suggest the customer retry the transaction after their billing cycle resets or funds become available.
• Clearly communicate the transaction failure reason to help the customer take corrective action.
• Implement retry logic spaced around typical salary dates if applicable, using the payday_spaced_retry scenario.
• Consider using Payment Schedules to split high-value payments into smaller installments if this error is seen frequently.