Decline Code 61: Exceeds approval amount limit

The decline code 61, “Exceeds approval amount limit,” indicates that the transaction amount exceeds the maximum amount set by the card issuer for a single transaction. This limit is put in place for security reasons and to manage spending. When a cardholder tries to make a purchase that is higher than this pre-set limit, the transaction is automatically declined. This can be resolved by contacting the card issuer to request a higher limit or approving a specific transaction, or by splitting the transaction into smaller amounts that fall within the approved limits.