Description

The payment failed because the debit authorization has been revoked. This error occurs when the customer requested revocation, the bank enforced revocation due to policy changes or security concerns, regulatory compliance required it, or the debit mandate has expired or been deactivated.

Recommended Customer Message

Your payment could not be processed because the debit authorization has been revoked. Please set up a new authorization or use a different payment method.

Root Cause

• Customer-initiated revocation: The customer previously instructed their bank to revoke authorization for debit transactions.
• Bank-enforced revocation: The bank revoked authorization due to policy changes, account issues, or security concerns.
• Regulatory or compliance reasons: Authorization was revoked based on regulatory requirements or compliance checks.
• Inactive or restricted mandate: The debit mandate linked to the transaction has expired or been deactivated.

Troubleshooting and Solutions

• Advise the customer to contact their bank to restore debit authorization or set up a new mandate.
• Recommend using an alternative payment method if immediate payment is required.
• Retry the transaction after the customer confirms that authorization has been successfully restored.
• Clearly communicate the reason for the transaction failure and provide actionable next steps.
• Implement checks to notify customers when an active authorization mandate is required before processing transactions.