Description

The payment was declined because the account is suspected of fraudulent activity. This error occurs when the payment gateway or processor detects signs of unauthorized access, compromised payment credentials, high-risk transaction behavior, or patterns matching known fraud indicators.

Recommended Customer Message

Your payment could not be processed due to a security concern with your account. Please verify your account information and contact your bank if you believe this is an error.

Root Cause

• Unauthorized account access: Unusual login attempts, changes to account information, or abnormal transaction behavior indicate potential account compromise.
• Compromised payment credentials: Stored payment methods may have been accessed or used without authorization.
• High-risk transaction behavior: Multiple failed payment attempts, transactions from suspicious IP addresses, or sudden high-value purchases trigger fraud detection systems.
• Known fraud patterns detected: The activity matches known patterns of fraudulent behavior identified by the payment gateway or fraud prevention systems.

Troubleshooting and Solutions

• Immediately lock or suspend the customer's account to prevent further unauthorized activity.
• Contact the customer directly to verify their identity and confirm recent account activity.
• Suggest the customer review and remove any unfamiliar or unauthorized payment methods linked to their account.
• Enable 3D Secure authentication to authenticate customers and reduce fraud attempts.
• Consult your fraud prevention team or payment gateway provider to analyze the activity further and update fraud detection rules if needed.