❌ Fix Error Code 51 on GiftCardMall MyGift Card (2025)

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

ReasonExplanation
💵 You’re $0.01 overEven 1 cent over your balance will trigger the error
🛍 No split payments onlineMost websites can’t split between 2 cards
⛽ Gas stations, hotelsThese places place large pre-authorization holds
🛒 Tax or tip added laterFinal charge is more than expected
🔢 Input errorCVV 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

🔗 How to use leftover balance


🛒 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.

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