Virtual card creation returning error

Good day all,
I am trying to create a virtual card with both the nodeJS SDK and the REST endpoint and it keeps returning this: {status: ‘error’, message: ‘Customer does not have sufficient funds’, data: null}. I am running in test mode, not live mode and I have funded the account with sufficient amounts both in NGN and USD.
Please can anyone help with this?

Hi @Hebron_Praise

Thanks for contacting Flutterwave!

My name is Abraham, and I will be helping you today.

please kindly share a test account merchant Id.


I’ve been having the same error message as well
Do you mean the merchant Id on the dashboard?

Hi @michaelthedev

yes the merchant id on your dashboard.

Merchant ID: 00893392

It’s working on live. But we need the test mode to be working as well.
Cause we’re running multiple tests

Any update on this @Abraham_Olaobaju ?

Hi, we are getting this error. How do we fix it?


Hi @Sam_Owen ,

Thanks for Choosing Flutterwave…

Please is this a test or live transaction? also kindly share with me the payload for this transaction.