Description

The payment failed because the card has been blocked by the issuer. This error occurs when the card is blocked due to security concerns, exceeded PIN attempts, policy violations, or outstanding dues.

Recommended Customer Message

Your payment could not be processed because your card has been blocked. Please contact your card issuer to resolve the issue or use a different payment method.

Root Cause

• Security block by issuer: The card has been blocked by the issuer due to suspicious activity or fraud prevention measures.
• Exceeded incorrect PIN attempts: The card was blocked after multiple failed PIN entry attempts.
• Policy or regulatory reasons: The issuer blocked the card due to non-compliance with financial or regulatory policies.
• Outstanding dues: The card was blocked due to unpaid balances or credit limit violations.

Troubleshooting and Solutions

• Ask the customer to contact their card issuer's customer service to understand the reason for the block and resolve the issue.
• Recommend using a different active card or payment method to complete the transaction.
• Clearly inform the customer that blocked cards cannot be used for future transactions until unblocked by the issuer.
• Avoid retrying the transaction with the blocked card to prevent further declines.
• If the customer has a replacement card, request that they update their payment details.