Description

The payment failed because the card has been locked due to multiple incorrect PIN attempts. The card issuer temporarily blocks the card to prevent fraudulent activity when too many invalid PIN entries are detected.

Recommended Customer Message

Your payment could not be processed because your card has been locked due to incorrect PIN attempts. Please contact your card issuer to unlock your card or use a different payment method.

Root Cause

• Multiple incorrect PIN attempts: The customer repeatedly entered an incorrect PIN, triggering the card's security lock.
• Issuer security policy enforcement: The card issuer has locked the card temporarily to prevent fraudulent activity.
• Forgotten PIN: The customer may not recall the correct PIN and exceeded the allowed number of attempts.
• ATM or POS lockout: The card was locked through failed attempts at ATMs or point-of-sale devices.

Troubleshooting and Solutions

• Instruct the customer to contact their card issuer's customer service to unlock the card and reset the PIN if necessary.
• Recommend using an alternative card or payment method to complete the transaction.
• Advise the customer to avoid retrying transactions until the card has been successfully unlocked.
• Ensure payment forms or devices clearly display authentication failure messages to avoid repeated incorrect attempts.