Description

The payment was declined by the issuing bank without a specific reason provided. This is a general decline that can occur due to various factors including insufficient funds, card restrictions, failed risk checks, or temporary processor issues. The bank did not disclose the exact cause.

Recommended Customer Message

Your payment was declined by your bank. Please verify your payment details and try again, or contact your bank for more information.

Root Cause

• Non-specific decline: Typically returned by the issuing bank when they do not disclose the exact cause.
• Possible bank restrictions: The bank did not approve the transaction, possibly due to insufficient funds, card restrictions, or flagged activity.
• Risk or fraud checks failed: The transaction failed automated fraud prevention or risk assessment systems.
• Temporary processor issues: The payment processor may have experienced a brief service interruption or delay.

Troubleshooting and Solutions

• Advise the customer to retry the transaction after verifying their payment details.
• Recommend using a different payment method if the issue persists.
• Suggest the customer contact their bank to understand the reason for the decline and resolve any account restrictions.
• Monitor the payment gateway for any ongoing technical issues or service disruptions.
• If repeated, track decline patterns by BIN (Bank Identification Number) to detect issuer-level issues.