Description

The payment failed because the card has been reported as lost. This error occurs when the cardholder has reported the card as lost to the issuing bank, the bank has proactively blocked the card, or a replacement has been issued.

Recommended Customer Message

Your payment could not be processed because this card has been reported as lost. Please use a different card or update your payment details.

Root Cause

• Card reported as lost: The cardholder has officially reported the card as lost to the issuing bank.
• Issuer-initiated block: The bank has proactively blocked the card due to suspected loss or security concerns.
• Deactivated card: The card has been permanently deactivated and cannot be used for any transactions.
• Pending replacement: A replacement card has been issued, and the lost card is no longer valid.

Troubleshooting and Solutions

• Ask the customer to use a different active card or payment method.
• Recommend that the customer contact their bank if they have not yet received a replacement card.
• Avoid retrying the transaction with the reported lost card.
• Ensure your system flags and prevents further attempts with the lost card details.