If your GiftCardMall MyGift Visa® or Mastercard® is getting declined with:
❌ Error Code 51 – “Insufficient Funds”
You’re not alone. It’s one of the most common issues — but also one of the easiest to fix.
💡 What Does Error 51 Mean?
This error simply means:
You’re trying to spend more than the available balance on the card.
Even if you’re off by just $0.01, the transaction will fail.
✅ How to Fix It (Step-by-Step)
1. Check Your Exact Balance
- 🔗 Check here
- Or call 1-877-322-4710
Make sure you know your exact cents, like $8.37
2. Spend That Exact Amount
Here’s how:
- Reload Amazon Gift Balance with
$8.37 - Buy a digital gift card worth exactly
$8.37 - Reload your Starbucks app
❗ Never try to overspend. Even 1 cent over will cause Error 51.
🛠 Examples of Safe Usage
| Merchant | What to Do |
|---|---|
| Amazon | Use “Reload Gift Card Balance” and enter exact cents |
| Starbucks | Reload app balance with exact amount |
| Google Play | Add card, buy app with correct balance |
| PayPal | Add as payment method, avoid auto-renewals |
🧠 Pro Tips
- 💳 Avoid subscriptions — they often authorize more than the actual cost
- 💸 Don’t try to split payments between MyGift and another method
- 🧾 Some retailers hold extra for pre-authorization (e.g., gas stations)
❓ FAQ
What if I’m sure the balance is enough? Try a smaller amount — some merchants pre-authorize more than the total. How do I avoid this error in the future? Always check your balance first, and reload exact amounts into wallets. Can I use the remaining cents anywhere? Yes — Amazon reload, Starbucks, or buy small eGift cards.
📚 Related Pages
⚠️ Disclaimer
This is an unofficial guide based on user experience. We are not affiliated with GiftCardMall.com or Blackhawk Network.