Description

The payment failed because the debit was not authorized by the bank. This error occurs when the bank declined authorization due to insufficient funds, account restrictions, fraud detection, incorrect card details, or exceeded transaction limits.

Recommended Customer Message

Your payment was declined by your bank. Please verify your payment details and try again, or contact your bank for assistance.

Root Cause

• Bank declined authorization: The issuing bank did not authorize the transaction, possibly due to insufficient funds, account restrictions, or suspected fraudulent activity.
• Incorrect card details entered: The customer may have provided incorrect card information, leading to authorization failure.
• Exceeded transaction limits: The debit card's daily or per-transaction spending limit was exceeded.
• Card issuer security measures: The bank blocked the transaction as part of its fraud prevention protocols.

Troubleshooting and Solutions

• Ask the customer to verify their debit card details and ensure they are entered correctly.
• Recommend that the customer contact their bank to understand why the transaction was declined and resolve any issues.
• Suggest trying a different payment method if the issue cannot be resolved immediately.
• Retry the transaction after the customer confirms that the authorization issue has been addressed.
• Ensure clear error messages are displayed to guide the customer on possible next steps.