Description

The payment failed because the bank account has been permanently closed. This error occurs when the customer attempts to use an account that has been closed either by the account holder or by the bank due to inactivity, policy violations, or other reasons.

Recommended Customer Message

Your payment could not be processed because this bank account has been closed. Please use a different bank account or payment method to complete your transaction.

Root Cause

• Account permanently closed: The customer's bank account has been permanently closed by the issuing bank.
• Customer-initiated closure: The customer has closed the account but attempted to use it for a transaction.
• Involuntary closure: The bank closed the account due to policy violations, inactivity, or regulatory reasons.
• Outdated account information: Outdated account information was used for the transaction after the account was closed.

Troubleshooting and Solutions

• Inform the customer that their bank account is closed and cannot be used for transactions.
• Ask the customer to contact their bank for confirmation and details about the account closure.
• Recommend the customer to use a different active bank account or payment method to complete the transaction.
• Remove any saved payment details associated with the closed account to prevent future failures.
• Ensure that the payment system does not attempt retries on permanently closed accounts.