Description

The payment failed because the card issuer is temporarily unavailable. This error occurs when the issuer's systems are down, there are network communication failures, the issuer is undergoing maintenance, or the systems are overloaded.

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

• Issuer's system temporarily unavailable: The card issuer's servers are down, preventing authorization of transactions.
• Network communication failure: The payment gateway is unable to establish a connection with the issuer's systems.
• Issuer undergoing maintenance or updates: Scheduled or unscheduled maintenance is affecting the issuer's transaction processing capabilities.
• High network traffic or system overload: The issuer's systems are overwhelmed with requests, leading to unavailability.

Troubleshooting and Solutions

• Ask the customer to retry the transaction after a short wait using the same card.
• Recommend switching to a different payment method or card if the problem persists.
• Monitor the payment gateway's status page for updates on outages.
• If this issue occurs frequently, contact the payment gateway support team for further investigation.