Trying to pay with your MyGift Visa® or Mastercard® and getting Error Code 51?
That code means: “Insufficient Funds” — but here’s what’s really happening and how to fix it.
💡 What Is Error Code 51?
Code 51 = Declined because the amount exceeds your available balance.
But it may show up even when:
- You think you have enough funds
- You checked your balance already
- You’re trying to split a payment
🔍 Common Causes of Error 51
Reason | Explanation |
---|---|
💵 You’re $0.01 over | Even 1 cent over your balance will trigger the error |
🛍 No split payments online | Most websites can’t split between 2 cards |
⛽ Gas stations, hotels | These places place large pre-authorization holds |
🛒 Tax or tip added later | Final charge is more than expected |
🔢 Input error | CVV or ZIP doesn’t match |
✅ How to Fix Error Code 51
🧾 1. Check Your Exact Balance First
Go to 👉 giftcardmall.com/mygift
Or call 📞 1-877-322-4710
🧠 2. Use the Card for an Exact Amount or Less
If you have $21.56:
- Don’t try to buy something for $21.99
- Instead, reload your Amazon or app wallet for $21.56 exactly
🛒 3. In-Store Split Payment (Only Works Offline)
At stores like Walmart, CVS, or Target:
- Tell the cashier to charge exact amount on your card
- Then pay the rest with another method
Online stores usually don’t support this
🧰 4. Register ZIP Code
If not done, some merchants will decline your card due to AVS mismatch
Go to giftcardmall.com/mygift → Add ZIP
🔁 5. Use on Amazon, PayPal or Wallet Apps
They support exact amounts, reloads, and are less likely to cause declines.
✅ Amazon Reload
✅ PayPal → Add as card
🧠 Final Tips
- Don’t retry failed transactions too many times — card may get locked
- Never use at gas pumps or hotels without enough buffer
- Avoid subscriptions or international websites
❓ FAQ
Can I split a purchase with my MyGift card? Yes — but only in physical stores where the cashier can manually charge a specific amount. Why does it say “insufficient funds” when I have money? Likely the total charge (with tax or tip) exceeds your balance by a few cents.
Can I reload the card?
No — these are non-reloadable prepaid cards.
🔗 Related Help Pages
⚠️ Disclaimer
This is an independent guide. Always refer to the official issuer for disputes and secure card management.