Payments Bible
61SoftRetry may succeedLimits / velocity

Exceeds Withdrawal Amount Limit

What it means

The transaction amount is higher than the maximum amount the issuer allows for this card over a given period.

Why it happens

The purchase pushes the card past a per-transaction or cumulative spending limit set by the issuer.

If you’re the cardholder

Try a smaller amount, wait until the limit resets, or contact your issuer to raise the limit.

If you’re the merchant

Treat as a soft decline; suggest a lower amount or a retry later.

Sources & processor codes

  • Adyen28Withdrawal amount exceededDocs
  • ISO 858361Exceeds withdrawal limitDocs
  • NuveiExceeds withdrawal limitDocs
  • Stripecard_velocity_exceededThe customer has exceeded the balance, credit limit, or transaction amount limit available on their cardDocs

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