Description

The payment was declined because the account has been flagged for fraudulent activity. This error occurs when the payment gateway or issuing bank detects unauthorized use, suspicious transaction patterns, or compromised account credentials associated with the payment method.

Recommended Customer Message

Your payment could not be processed due to a security concern with your account. Please contact your bank to verify your account status or use a different payment method.

Root Cause

• Fraudulent use detected: The payment gateway identified that the account number is being used for unauthorized or suspicious transactions.
• Stolen or counterfeit cards linked: The account is associated with payment methods flagged as stolen, lost, or counterfeit.
• Unusual transaction patterns: High-risk behaviors, such as rapid multiple transactions or transactions from suspicious locations, triggered the fraud detection system.
• Compromised credentials: The account may have been breached, and malicious actors are attempting unauthorized transactions.

Troubleshooting and Solutions

• Review the transaction details, including IP address, device fingerprint, and billing information, for potential red flags.
• Contact the customer directly to verify their identity and confirm the legitimacy of the transaction before retrying.
• Advise the customer to use a different payment method or contact their bank to clarify the payment failure.
• If false positives occur frequently, adjust your fraud detection rules or consult with the payment gateway to fine-tune fraud prevention settings.
• Advise the customer to immediately contact their bank to report the fraudulent activity and secure their account.
• Proactively engage with the customer to validate and refund such transactions to reduce disputes.