Scheme code system · Visa
Official51
Not sufficient funds
Available funds or credit are insufficient for the requested amount.
- Outcome
- Declined
- Code system
- Visa
- Raw format
- Two-character numeric or alphanumeric action code
Operational context
Limited reattempts
Visa Category 2: the issuer cannot approve at this time; up to 20 attempts in 30 days are permitted, subject to the full rules and transaction context.
Explicit mapping
SchemeLens concepts
These links are editorial mappings, not replacements for the raw source value. The relation shows how closely the wording aligns.
| Concept | Relation | Mapping note |
|---|---|---|
| Insufficient funds | Direct semantic match | Visa wording mapped to the SchemeLens “Insufficient funds” concept. |
Namespace check
The same raw value exists elsewhere
- Mastercard 51Insufficient funds/over credit limit
- UnionPay 51Available funds are insufficient
- EBANX 51Available funds are insufficient
Provenance
Sources used for this record
- Visa Developer: Request and Response Codes — Action CodeOfficial source for the published Visa action-code wording.Live web reference, verified 27 July 2026
- Visa: Visa Core Rules and Visa Product and Service RulesOfficial source for decline categories, qualifications, and merchant reattempt limits.April 2026, section 7.3.6.3
SchemeLens keeps source wording, normalized concepts, and operational guidance separate so later evidence can be added without rewriting the raw record.