Description

The payment failed because the required creditor name or address information was not provided. This error occurs when mandatory identity details are missing from the transaction request, which are required for regulatory compliance such as KYC (Know Your Customer) or AML (Anti-Money Laundering) requirements.

Recommended Customer Message

Your payment could not be processed because required information is missing. Please ensure your name and address are complete and try again.

Root Cause

• Missing creditor details: The payer did not provide the required name or address information during the transaction.
• Incomplete payment request: The submitted transaction request lacked mandatory fields for creditor information.
• Gateway validation enforcement: The gateway blocked the transaction because essential creditor identification details were not provided.
• Regulatory compliance requirement: Name and address details are mandatory for identity verification and regulatory compliance (e.g., KYC/AML regulations).

Troubleshooting and Solutions

• Ask the customer to provide complete and accurate name and address details before submitting the transaction.
• Ensure the payment form includes clearly labeled and mandatory fields for the payer's name and address.
• Update API request structures to include the required creditor information as per payment gateway specifications.
• Display informative validation errors to notify users when mandatory information is missing.
• If regulatory requirements have changed, confirm updated information collection guidelines with the payment gateway.