If you don’t have enough available funds on your Douugh Card, the attempted transaction will be declined.
Your payment mode determines how your available funds are calculated.
If you have set your Douugh Card to ‘Pay Now with Spend Jar’ your available funds include:
Funds you have added to your Spend Jar.
Funds granted to you via a Spot Me.
If you have set your Douugh Card to ‘Pay Later with Spot’ your available funds include:
Your remaining Spot limit.
Funds you have added to your Douugh Card.
While these differences may appear minor, they need to be taken into account.
For more info on payment modes and what they mean, check out this guide: