Description

The payment failed because the bank account has a Direct Debit block in place. This error occurs when the bank or the account holder has restricted the account from processing Direct Debit transactions, either due to a customer request, security concerns, or compliance reasons.

Recommended Customer Message

Your payment could not be processed because Direct Debit transactions are blocked on your bank account. Please contact your bank to remove the block or use a different payment method.

Root Cause

• Direct Debit block initiated: The bank has restricted the account, preventing Direct Debit transactions.
• Customer-requested block: The account holder has requested the bank to block Direct Debits on their account.
• Security or compliance reasons: The account has been blocked due to compliance reviews or suspicious activity.
• Account under investigation: The bank is investigating the account, and all automatic debit transactions have been suspended.

Troubleshooting and Solutions

• If the customer wishes to continue using this payment method, ask them to contact their bank to lift the Direct Debit block.
• Recommend the customer use an alternative payment method or bank account that allows Direct Debits.
• Do not retry the transaction until the customer confirms that the block has been removed.
• Clearly communicate to the customer the reason for the transaction failure and the required next steps.
• Remove the blocked account from saved payment methods to avoid further transaction failures.