Why am I being asked to enter an amount lower than what I originally entered?

In some cases, the amount you entered cannot be processed, but a lower amount is likely to go through without issue. Rather than stopping the transaction completely, the lower deposit amount is presented for your convenience.

 

• You'll receive an insufficient funds message if a dynamic balance check indicates that your account balance, including items still being processed, may not be enough to cover the initial transaction amount.
• You'll receive a security measures message if the transaction triggers a risk warning. To protect your account balance, the reduced amount is suggested.

 

While the suggested deposit amount significantly increases the likelihood of transaction success if acted upon quickly, it’s not a guarantee. Various factors, including real-time changes in your account status or other risk assessments, can influence the outcome.

The specific calculations used by the dynamic balance and risk checks to determine the amount are part of our internal risk management strategy. Some of the factors reviewed to make the determination include: recent transactions, current balances, and any pre-set limits set on the bank or merchant platform.