your card has insufficient funds. use a different payment method to complete this purchase.

Stripe API · POST /v1/payment_intents · HTTP 402 card_declined

Status: ✅ verified:server:sandbox · first seen 2026-10-24 · last confirmed 2026-10-26 · 8 confirmations from 2 vantages

Confirming a PaymentIntent with test payment method pm_card_chargeDeclinedInsufficientFunds returns HTTP 402 card_error with code card_declined, decline_code insufficient_funds and advice_code try_again_later.

What to do

1. No client-side fix known (by design).

Dimensions

env: sandbox · plan: any · region: any · account_state: any

Evidence

Probe af:stripe:probe:card-insufficient-funds (declarative, source)

Observations: none from reporters yet.

Machine access

curl -s https://apifacts.dev/v0/check \
  -H 'content-type: application/json' \
  -d '{"target":{"method":"POST","url":"https://api.stripe.com/v1/payment_intents"},"error":{"status":402,"body_excerpt":"your card has insufficient funds. use a different payment method to complete this purchase."}}'

YAML: facts/stripe/card-insufficient-funds.yaml

Data: CC BY 4.0 · apifacts registry · This page is generated; edit the YAML, not the page.