Description

The payment failed because the bank account has not completed the required verification process. This error occurs when mandatory verification steps, such as micro-deposit confirmation or document submission, have not been completed.

Recommended Customer Message

Your payment could not be processed because your bank account has not been verified. Please complete the verification process and try again, or use a different payment method.

Root Cause

• Pending verification: The customer's bank account has not completed the mandatory verification process required for transactions.
• Incomplete micro-deposit verification: The customer did not verify the micro-deposit amounts sent by the payment gateway or bank. This is applicable only for certain Direct Debit schemes.
• Documents not submitted: Required identity or account ownership documents have not been provided to the bank.
• Bank policy restrictions: Some banks restrict transactions until the verification process is fully completed.

Troubleshooting and Solutions

• Ask the customer to complete the bank account verification process as instructed by their bank or financial institution.
• If micro-deposit verification is required, ensure the customer has checked and confirmed the deposited amounts.
• Retry the transaction only after the account has been successfully verified.
• Recommend the customer use an alternative verified payment method if immediate payment is necessary.
• Clearly communicate the need for account verification before attempting future transactions.