Description

The payment capture failed due to an issue with the card. This error occurs when the card issuer rejected the capture despite a successful authorization, the card expired or was deactivated between authorization and capture, funds were no longer available, or fraud blocks were applied.

Recommended Customer Message

Your payment could not be completed due to an issue with your card. Please verify your card details and try again, or use a different payment method.

Root Cause

• Card-specific issue preventing capture: The card issuer rejected the final payment capture despite a successful authorization.
• Expired or deactivated card: The card expired or was deactivated between the authorization and capture attempts.
• Insufficient funds at capture: While funds were available during authorization, they were no longer available during capture.
• Card restrictions or fraud blocks: The issuing bank blocked the capture due to new restrictions or detected suspicious activity.

Troubleshooting and Solutions

• Ask the customer to verify that their card details are correct and up to date.
• Recommend the customer ensure sufficient funds or credit are available before retrying the transaction.
• Suggest using an alternative payment method if the issue persists.
• Advise the customer to contact their bank to understand and resolve any issues preventing successful payment capture.
• Ensure the capture attempt occurs within the allowed authorization validity window to prevent expiry-related failures.