Description

The payment failed because a stop payment order has been placed. This error occurs when the customer requested to block a specific recurring debit transaction, they revoked the recurring debit authorization, the bank processed a stop payment order, or the mandate has been canceled or expired.

Recommended Customer Message

Your payment could not be processed because a stop payment has been placed. Please contact your bank to review this order or use a different payment method.

Root Cause

• Stop payment order initiated: The customer has requested their bank to block a specific recurring debit transaction.
• Recurring debit authorization revoked: The customer no longer authorizes the recurring payment and has instructed the bank accordingly.
• Bank-enforced payment block: The bank processed a stop payment order as per customer instructions or due to account restrictions.
• Mandate cancellation or expiration: The recurring debit mandate has been canceled or is no longer valid.

Troubleshooting and Solutions

• Advise the customer to contact their bank to review and manage the stop payment order.
• Inform the customer that they need to provide a new authorization if they wish to continue the recurring payments.
• Recommend using a different payment method if the customer wants to proceed with the current transaction immediately.
• Ensure the merchant system stops future attempts to charge under the same recurring mandate unless new authorization is obtained.
• Clearly communicate to the customer why the transaction failed and guide them through the necessary steps to reinstate recurring payments if desired.