Description

The payment failed because of restrictions on the card. This error occurs when the issuing bank has applied restrictions, the card is limited to specific countries or merchant categories, there are regulatory holds, or fraud prevention controls have been activated.

Recommended Customer Message

Your payment could not be processed because your card has restrictions. Please contact your card issuer to resolve the restrictions or use a different payment method.

Root Cause

• Bank-imposed restrictions: The issuing bank has applied restrictions on the customer's card, preventing certain transactions.
• Geographical or merchant category restrictions: The card is restricted from being used in specific countries or with certain types of merchants.
• Regulatory or compliance holds: The card is restricted due to regulatory requirements or pending verification.
• Fraud prevention controls: The card has been restricted due to recent suspicious activity or security concerns.

Troubleshooting and Solutions

• Advise the customer to contact their issuing bank to understand the specific restrictions on their card and how to resolve them.
• Suggest trying a different card or payment method to complete the transaction.
• Retry the transaction only after the customer confirms that the restrictions have been lifted.
• Clearly communicate the transaction failure reason and provide actionable guidance to the customer.
• Encourage customers to ensure their card is enabled for online transactions and international payments if applicable.