💳 Why Am I Getting a "Declined – Insufficient Funds" Message?

If you're seeing this message:

Error Code: PR1012 – Declined – Insufficient Funds (FD116)

That means your bank is reporting that there aren’t enough available funds in your account to complete the transaction.

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✅ What You Can Do:

1. 🔍 Double-check your card details:

   • Card number

   • Expiration date

   • Security code (CVV)

   • Billing ZIP code

2. 💵 Check your balance to make sure there are enough funds in your account.

3. 🔁 Try the transaction again — sometimes pending charges or holds can clear up quickly.

4. ☎️ Contact your bank or card provider
   If you believe this is a mistake, your bank can give you more details and help resolve the issue.

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🧠 Tip: Even small holds or fees can temporarily reduce your available balance and cause a decline — your bank can tell you exactly what’s going on.