Insufficient Balance

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Overview

400 - Bad Request: This error occurs when the account does not have enough balance to complete the requested transaction especially for disbursements.

{
    "success": false,
    "message": "Your account has insufficient balance to complete this transaction. Please top up the account and try again."
}

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Common Causes and How to Resolve

1. Insufficient Balance for Transaction Amount: The requested transaction amount is greater than the available balance in the account.

   How to Resolve:

   • Check the account balance for the specific currency before initiating the transaction. You can do this using our account balance api.
   • Top up the account with sufficient funds and retry the transaction. You can top up through our collections api, payment link payments or on the Payments Portal for KES and USD. To top up any other currency, please send us an email at support@niobi.co and you will be provided with detailed steps on how to top up your currency account.
   • Consider reducing the transaction amount to match the available balance.

2. Pending Transactions Affecting Balance: The account may have some pending transactions that temporarily reduce the available balance.

   How to Resolve: Contact our support team at support@niobi.co to check on the status of these pending transactions and get further assistance.

3. Incorrect Amount Specified: This error could also occur if the transaction amount passed is incorrect e.g. if the amount was meant to be 1000 KES and what is passed is 10000.

   How To Resolve: Always validate the transaction amount especially since disbursements amounts are passed in standard unit (multiplied by 100).

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Best Practices

• Perform Pre-Transaction Balance Checks:

  • Always check the account balance before initiating a transaction to ensure sufficient funds are available. You can use the account balance api here.

• Validate Input Field:

  • Ensure the amount passed is correct and within the available balance in the account.

• Top Up Your Wallets:

  • In the case where you will be using your Niobi account for disbursement, always ensure your wallet has been topped up and the funds are reflecting as well. You can reach out to our team for detailed steps on how to top up your different currency wallets at support@niobi.co.

If the issue persists, please contact our team at support@niobi.co.

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Additional Resources

• Account Balance API
• Payments Portal
• Collections
• Disbursements.