1. The payment method selected during payment is incorrect. The default payment method for Taobao shopping is Alipay payment. If there is not enough money in Alipay account, the balance will be insufficient. The solution is to click on the payment method and choose online banking or your own bank card to pay.
2. If you pay by bank card, the balance is insufficient, because online payment needs to fill in the payment limit of the day, which is a means to protect the bank card. If the price of something you buy exceeds the payment limit of the day, it will show that the balance is insufficient. At this time, you need to go to the online banking website of the bank card to modify the value of the payment limit of the day.