Adyen saysSoft decline
12Not enough balance
What it means
Insufficient funds
The account does not have enough balance or credit for this amount.
What to do
Offer another payment method or a lower amount. For subscriptions, retry after a few days, ideally around payday.
Worth retryingWho can fix it: The shopper
Yuno response codeINSUFFICIENT_FUNDS
Source:Adyen docs — Refusal reasons
Reference only. Codes and descriptions come from each provider's public documentation. The Yuno response code is a reference mapping and does not guarantee how a specific transaction is processed.