I Made a Deposit, Made a Purchase, and It Showed 'Insufficient Funds'

Did you just make a deposit, try to pay with your Picnic card, and the terminal showed 'insufficient funds'?
In most cases, this is related to where the money was deposited or a delay in balance synchronization, and it can be resolved quickly.

1 Confirm Where Your Deposit Went

• Deposits made to the card go directly to the balance in digital dollars ($USD): this is the balance the card uses for purchases and withdrawals. However, due to some instability in the financial system, the balance might be in the Multicurrency Account.

• Balance in the Multicurrency Account is not used directly by the card: you need to access it and send it to the card again.

• If your balance doesn't appear on the card, check the Multicurrency Account:

  - On your browser, go to usepicnic.com

  - Use the same email you use to access the app

  - After logging in, check the Multicurrency Account balance.

  - Click on Card>Add balance > Multicurrency Account

2 Card Balance Hasn't Synced on the Network Yet

If the balance is already on the card, but the purchase keeps failing:

1. Wait a few minutes and refresh the app
   • Wait 3 to 5 minutes after the deposit for the network to recognize the new balance.
   • Close and reopen the app and check again.
2. Try again just one more time
   1. If it was declined, avoid multiple attempts in a row.
   2. Wait a few minutes and try just one more time.

3 Other Reasons for 'Insufficient Funds'

Confirm the exact purchase amount

• Check if the balance in $USD covers the final amount converted to the local currency (including possible merchant fees).
• Whenever possible, leave a safety margin above the final purchase amount.

Configuration or terminal limits

• If the purchase fails at more than one merchant, it could be something with the card (like a daily limit).
• If it fails only at a specific place, it's very likely a terminal issue (try inserting the card instead of just tapping).

Daily spending limit on the card

Damaged or defective card