Description

The payment failed because the card issuer could not be found. This error occurs when the card number is invalid or unrecognized, the BIN (Bank Identification Number) does not correspond to a valid issuing bank, there is a connectivity issue with the issuer, or the card belongs to a discontinued card program.

Recommended Customer Message

Your payment could not be processed because we could not identify your card issuer. Please verify your card number and try again, or use a different payment method.

Root Cause

• Invalid or unrecognized card number: The card number provided does not match any known card issuer or is improperly formatted.
• Incorrect BIN: The first six digits of the card number (BIN) do not correspond to a valid issuing bank.
• Connectivity issue with the issuer: The payment gateway was unable to establish a connection with the issuing bank's systems.
• Decommissioned or unsupported card ranges: The card number belongs to a discontinued or unsupported card program.

Troubleshooting and Solutions

• Advise your customer to verify the card number and try the transaction again.
• Recommend using a different payment card if the problem persists.
• Instruct your customer to contact their bank for clarification on the card's validity and issuing status.