Description

The payment failed with a permanent decline that should not be retried. This error occurs when an unrecoverable error is detected, the transaction is blocked due to high-risk or security concerns, there are severe account or card issues, or regulatory or compliance requirements are violated.

Recommended Customer Message

Your payment could not be processed and cannot be retried with this payment method. Please use a different payment method or contact your bank for assistance.

Root Cause

• Unrecoverable error detected: The payment gateway or card issuer identified a critical issue that cannot be resolved by retrying the transaction.
• High-risk or security-related block: The card issuer or gateway detected a high-risk transaction and has imposed a block to prevent further attempts.
• Severe account or card issues: The card or account may be under investigation, suspended, or permanently restricted from further use.
• Regulatory or compliance enforcement: The transaction violates regulatory requirements, leading to a permanent block on this specific payment attempt.

Troubleshooting and Solutions

• Instruct the customer not to retry the transaction with the same payment method.
• Recommend contacting their card issuer directly to understand and resolve the underlying issue.
• Suggest using a different payment method to complete the transaction if immediate payment is required.
• Adjust your payment retry strategy to not do automated retries for such cases.
• Clearly communicate to the customer that repeated retry attempts are not allowed and will not succeed.
• Monitor for recurring instances of this error to identify patterns or potential configuration issues with the payment gateway.