card_velocity_exceeded HTTP 402 Stripe Declines

Stripe Declines Error: card_velocity_exceeded –

When the Stripe API returns the card_velocity_exceeded error, it means that the customer has exceeded the balance, credit limit, or transaction amount limit on their card. This error is triggered when a payment attempt exceeds these limits. It does not mean that the card is declined due to insufficient funds.

Official documentation ↗

Root Causes

1.

Exceeding Card Balance

The customer's available balance has been exceeded.

2.

Credit Limit Exceeded

The transaction amount exceeds the card's credit limit.

Resolution

1.Verify Card Balance

Check the customer's available balance and update it if necessary.

2.Increase Credit Limit

Contact Stripe to increase the credit limit for the affected card.

Code Examples


            stripe.Charge.create(amount=1000, currency='usd', source='tok_visa')
          

            stripe.charges.create({amount: 1000, currency: 'usd', source: 'tok_visa'})
          

            Stripe\Charge::create(['amount' => 1000, 'currency' => 'usd', 'source' => 'tok_visa'])
          

            curl -X POST https://api.stripe.com/v1/charges -d "amount=1000&currency=usd&source=tok_visa"

FAQ

What does the card_velocity_exceeded error mean? ▾

The customer has exceeded the balance, credit limit, or transaction amount limit on their card.

How do I resolve the card_velocity_exceeded error? ▾

Verify the customer's available balance and update it if necessary. If the issue persists, contact Stripe to increase the credit limit for the affected card.

Independent reference. Always verify against the official Stripe Declines documentation.