Just to make sure, from everything I'm seeing, it looks like if a card with insufficient funds is processed through the eCommerce /v1/charges endpoint, it declines instead of doing a partial capture. From my testing this appears to be the case, but I saw some past forum questions regarding these charges still showing up at a later date. Can you verify if charges to cards with insufficient funds are indeed declined, and no additional processing needs done on my end to void the charge before prompting the user to try another payment method?