add more accurate error handling

src/app/actions/referralsActions.ts

@@ -360,6 +360,8 @@ export async function createPayoutRequest(
 	const amount = formData.get('amount') as string || '';
 	const payoutMethodId = formData.get('payoutMethodId') as string || '';
 
+	console.log('createPayoutRequest');
+
 	try {
 		const response = await fetch(`${API_BASE_URL}/api/payouts/create-request`, {
 			method: 'POST',
@@ -379,7 +381,10 @@ export async function createPayoutRequest(
 		}
 
 		if (response.status === 409) {
-			throw 'insufficient-funds-to-receive-payment'
+			const responseText = await response.text();
+			if (responseText.includes('Not have money for payout')) {
+				throw 'insufficient-funds-to-receive-payment'
+			}
 		}
 
 		if (response.ok) {