diff --git a/config.lua b/config.lua
index 0fd79d3..c7fbfe4 100644
--- a/config.lua
+++ b/config.lua
@@ -14,7 +14,8 @@
         playSounds = true,
         showFooter = true,
         refundInvalidMetaname = true,
-        refundMissingMetaname = true
+        refundMissingMetaname = true,
+        refundInsufficentFunds = true
     },
     lang = {
         footer = "/pay <item>@%name% <amt>",
diff --git a/core/ShopState.lua b/core/ShopState.lua
index 2524084..663dffa 100644
--- a/core/ShopState.lua
+++ b/core/ShopState.lua
@@ -134,7 +134,9 @@
         amountPurchased = math.min(amountPurchased, purchasedProduct.maxQuantity)
     end
     if amountPurchased <= 0 then
-        refund(transactionCurrency, transaction.from, meta, transaction.value, self.config.lang.refundAtLeastOne, true)
+        if self.config.settings.refundInsufficentFunds then
+            refund(transactionCurrency, transaction.from, meta, transaction.value, self.config.lang.refundAtLeastOne, true)
+        end
         if self.eventHooks and self.eventHooks.failedPurchase then
             eventHook.execute(self.eventHooks.failedPurchase, transaction, transactionCurrency, purchasedProduct, self.config.lang.refundAtLeastOne)
         end