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.