Description

The payment was declined because the card has been flagged for suspected fraud. This error occurs when the card issuer identifies inconsistencies in the card application, detects use of stolen or falsified information, or activates security measures due to high-risk behavior patterns.

Recommended Customer Message

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

Root Cause

• Fraudulent card application detected: The card issuer identified inconsistencies or suspicious details in the customer's card application, leading to a fraud flag.
• Stolen or falsified information used: The card may have been obtained using compromised personal details or fabricated documentation.
• High-risk behavior identified: Patterns of fraud, such as rapid multiple applications or mismatched identity verification data, triggered the fraud detection system.
• Issuer security measures activated: The issuer proactively blocked the card to prevent potential financial loss from fraudulent activity.

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.
• Enable 3D Secure authentication to authenticate customers and reduce fraud attempts.
• Encourage customers to ensure their bank has authorized international or high-value transactions before attempting payment again.