Description

The payment failed because the card has been barred from further transactions. This error occurs when the card issuer has restricted the card due to security concerns, fraud prevention, regulatory requirements, or because the card has been permanently deactivated.

Recommended Customer Message

Your payment could not be processed because your card has been restricted. Please contact your card issuer for more information or use a different payment method.

Root Cause

• Card issuer restriction: The bank has barred the card from further transactions due to security concerns or account issues.
• Fraud prevention measures: The card has been blocked following suspicious activity or multiple failed transaction attempts.
• Regulatory or compliance reasons: The card has been restricted from use based on regulatory requirements or sanctions.
• Expired or deactivated card: The card has been officially deactivated and is no longer valid for transactions.

Troubleshooting and Solutions

• Ask the customer to use a different payment card to complete the transaction.
• Recommend the customer contact the card issuer to understand the reason for the restriction and resolve it if possible.
• Confirm that the card is active and not expired or permanently blocked.
• Retry the transaction only after the cardholder receives confirmation from their bank that the card is unbarred.
• Provide clear guidance at checkout about alternative accepted payment methods.