The response code 50003 - Balance reservation insufficient funds means your sub-account did not have enough funds to cover a refund, payout, or issuing transaction, so Checkout.com declined the request.
The balances we check depend on the transaction type:
- Refunds, card payouts, and issuing – the combined sum of your Available, Pending, and Operational balances. For more detail, see balance checks for refunds.
- Bank payouts – your Available balance only. For more detail, see changes to Bank Payout balance checks.
When we decline a request, you receive a Payment refund declined webhook for refunds, or a Payment declined webhook for card payouts. We do not notify your customer when we decline a refund.
How to resolve a 50003 decline
To clear the decline, add funds to your balance to top up your Available or Operational balance, then reattempt the request.
To prevent 50003 declines, you can:
- Set a balance minimum to hold a configurable amount in your Available balance. This is available if you're contracted to our Europe, Singapore, UK, or US entities.
- Configure balance notifications to alert you when your Available balance falls below a threshold you set.
For the full list of response codes, see our API response codes documentation.