Description

The payment was declined because the payment processor (acquirer) has been flagged for potential involvement in counterfeit or fraudulent transaction processing. This may be due to regulatory alerts, a high volume of disputed transactions, or compromised merchant networks.

Recommended Customer Message

Your payment could not be processed at this time. Please try again later or use a different payment method.

Root Cause

• Suspicion of counterfeit processing: The payment processor has been flagged for potential involvement in processing fraudulent or counterfeit transactions.
• Regulatory or compliance alert: Financial authorities or industry monitoring systems have identified suspicious activities linked to the payment processor.
• High volume of disputed transactions: A pattern of chargebacks or fraudulent transactions originating from the processor has raised concerns.
• Compromised merchant network: Merchants using this processor may have been targeted by fraudsters exploiting known vulnerabilities.

Troubleshooting and Solutions

• Advise the customer to carefully monitor their account for any unauthorized activity and report suspicious transactions immediately.
• Contact affected customers proactively to inform them of the situation and provide guidance on securing their accounts.
• Review and temporarily suspend high-risk transactions processed through the affected payment processor.
• Engage with the payment processor's support and compliance teams to understand the scope of the issue and receive updates.
• Consider switching to a more secure or verified payment processor if the issue persists or regulatory action is confirmed.
• Implement stronger fraud prevention controls, such as multi-factor authentication and enhanced transaction monitoring, to mitigate further risks.