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• Outdated account information: Outdated account information was used for the transaction after the account was closed.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.