Description

The payment was declined by the issuing bank without a specific reason (Do Not Honor). This is a general decline that can occur when transaction limits are exceeded, there are account issues, or security or fraud prevention triggers are activated.

Recommended Customer Message

Your payment was declined by your bank. Please contact your bank to understand the reason or try a different payment method.

Root Cause

• General decline from bank: The issuing bank declined the transaction without providing a specific reason.
• Exceeded transaction limits: The customer has exceeded their daily or per-transaction spending limit.
• Account issues: The bank account or card has unresolved issues such as insufficient funds, pending verification, or account restrictions.
• Security or fraud prevention trigger: The transaction was flagged as suspicious by the bank's fraud detection systems.

Troubleshooting and Solutions

• Advise your customer to contact their bank for clarification on the decline reason and resolve any outstanding issues.
• Suggest using a different payment method or card if immediate transaction completion is required.
• Retry the transaction after some time or once the issuing bank or customer confirms the issue has been resolved.
• Ensure the payment system provides clear error messages to guide your customers on the next steps when this decline occurs.
• Consider implementing alternative payment options at checkout to reduce abandonment due to such declines.