Description

The payment failed because debit authorizations have been stopped on the card. This error occurs when the customer requested to stop all debit transactions, the bank imposed a block, the card is inactive or closed, or fraud prevention measures were triggered.

Recommended Customer Message

Your payment could not be processed because debit transactions have been stopped on your card. Please contact your card issuer to restore authorization or use a different payment method.

Root Cause

• Customer requested stop: The customer has instructed their bank to halt all debit authorizations on the card.
• Bank imposed block: The issuing bank has stopped all debit transactions due to security concerns, account issues, or regulatory restrictions.
• Card marked inactive or closed: The card has been deactivated or is no longer valid for transactions.
• Fraud prevention measures: The bank halted debit transactions after detecting suspicious activity.

Troubleshooting and Solutions

• Advise the customer to contact their bank to restore debit authorization or issue a new card if needed.
• Suggest the customer try using an alternative payment method to complete the transaction.
• Retry the transaction only after the customer confirms that debit authorization has been restored.
• Clearly inform the customer about the reason for the decline and guide them through the resolution process.
• Implement system checks to alert customers of authorization issues before transaction attempts.
• If caused by a fraud alert, implement 3D Secure authentication to reduce fraud and have the customer confirm their purchase with the bank.