Description

The payment was declined because it was flagged as potentially fraudulent by the payment gateway or processor. This error occurs when the transaction matches fraud detection rules, exhibits suspicious patterns, originates from high-risk locations, or is associated with accounts that have a history of disputes.

Recommended Customer Message

Your payment could not be processed due to a security check. Please verify your payment details and try again, or contact your bank for assistance.

Root Cause

• Fraud detection triggered: The transaction matched one or more fraud detection rules set by the gateway or processor.
• Suspicious transaction patterns: The fraud flag was triggered at the issuing bank or payment gateway for unusual purchase behavior, such as high-value transactions, multiple rapid attempts, or mismatched billing details.
• High-risk payment method or location: The transaction originated from a flagged IP address, geographic location, or used a payment method known for high fraud risk.
• Previous fraud activity: The account or payment method has a history of chargebacks or disputes.

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.