This error almost always means your wallet doesn't hold the specific token the checkout expects on the specific chain it's asking for — having SOL for gas isn't the same as holding USDC on Solana, and holding USDC on the wrong chain looks identical to holding nothing at all from the checkout's point of view. It also shows up when funds sit in an exchange account balance rather than a self-custody wallet the checkout can actually see and connect to.
Check exactly which chain and which token the payment link is asking for, then confirm your wallet holds that specific token on that specific chain — not just crypto in general. If your funds are on Coinbase.com (exchange balance) rather than a connected wallet, you'll need to withdraw to a self-custody wallet on the correct network first.
ROZO Checkout removes this guesswork: it takes the major coins across supported chains (USDT, USDC, and more) and delivers the correct settlement to the provider for a 1% fee, so you don't have to match the exact token-and-chain combination yourself. ROZO is independent and not affiliated with OpenRouter or Coinbase.