Root Cause

• Downstream issuer system is down: The gateway or downstream is temporarily unavailable, preventing payment authorization.
• Connectivity issues with the issuer: The payment gateway is unable to establish a stable connection with the issuer's network.
• Issuer undergoing maintenance: The card issuer may be performing scheduled or unscheduled system maintenance.
• Temporary technical fault: A transient system error at the issuer's end is preventing transaction processing.

Troubleshooting and Solutions

• Advise the customer to retry the transaction after some time using the same card.
• If the issue persists, suggest using a different payment method or card.
• Monitor the gateway's status for any ongoing outages or maintenance notifications.
• Contact the payment gateway support team if this error occurs frequently to confirm connectivity with the issuer.