Description

The payment failed due to an issue with the card. This error occurs when the card-issuing bank experiences temporary service disruptions, the card is under review or restricted, the issuer declines without a specific reason, or there are network routing issues.

Recommended Customer Message

Your payment could not be processed due to an issue with your card. Please try again later or use a different payment method.

Root Cause

• Temporary bank-side issues: The card-issuing bank is experiencing temporary service disruptions or processing delays.
• Card under review or restricted: The customer's card is flagged for review or temporarily restricted by the bank due to recent activity or security concerns.
• Issuer decline without reason: The issuing bank declined the transaction without providing a detailed error code or reason.
• Network or routing issues: Technical problems in the transaction routing process between the payment gateway and the card issuer.

Troubleshooting and Solutions

• Retry the transaction after a short interval to rule out temporary bank-side issues.
• Advise the customer to contact their card issuer to confirm if the card has any blocks or restrictions.
• Suggest using an alternative card or payment method if the issue persists.
• Monitor for recurring declines from the same issuer and escalate to the payment gateway if necessary.
• Clearly inform customers of the failure reason and guide them on possible next steps to resolve the issue.