Description

The payment failed because the bank account is currently unusable. This error occurs when the account has restrictions, has been suspended, lacks required verification, or is under a compliance hold that prevents it from processing transactions.

Recommended Customer Message

Your payment could not be processed because your bank account is currently unavailable. Please contact your bank to resolve any issues or use a different payment method.

Root Cause

• Account restrictions: The bank account has limitations or restrictions preventing it from being used for transactions.
• Account closed or suspended: The account has been closed or temporarily suspended by the issuing bank.
• Insufficient verification: The bank account has not completed the required verification steps for online or recurring payments.
• Compliance holds: The account is under a compliance review or regulatory hold, making it temporarily unusable.

Troubleshooting and Solutions

• Ask the customer to contact their bank to determine why the account is unusable and resolve any pending issues.
• Recommend using a different payment method or bank account to complete the transaction.
• Retry the transaction once the bank confirms that the account is active and usable.
• Ensure that account verification processes have been completed before attempting further transactions.
• Contact the gateway to check if there are any verifications pending on their side.