Description

The payment failed because the card issuer's systems are offline. This error occurs when the issuing bank's servers are temporarily unavailable due to maintenance, network failures, or high traffic.

Recommended Customer Message

Your payment could not be processed because your bank is temporarily unavailable. Please try again later or use a different payment method.

Root Cause

• Card issuer systems are offline: The issuing bank's servers are temporarily unavailable, preventing authorization requests from being processed.
• Scheduled or unscheduled maintenance: The issuer is performing system maintenance, causing temporary unavailability.
• Network failure: Connectivity issues or system failures at the issuer's end have taken their services offline.
• High traffic or load issues: Excessive transaction volumes may have caused the issuer's systems to become unresponsive.

Troubleshooting and Solutions

• Advise the customer to retry the transaction later after the issuer's systems are back online.
• Suggest using an alternative payment method if the transaction is time-sensitive.
• Monitor gateway status updates or notifications for information on outage resolution.