Description

The payment failed because the debit was reported as unauthorized. This error occurs when the customer has formally informed their bank that the transaction was not authorized, the debit did not comply with proper procedures, or the mandate was missing, expired, or improperly documented.

Recommended Customer Message

We were unable to process your payment. Please contact your bank if you have questions about this transaction.

Root Cause

• Customer reported as unauthorized: The customer has formally informed their bank that the debit transaction was not authorized.
• Improper debit processing: The debit entry did not comply with required authorization procedures or mandates.
• Fraudulent or suspicious activity detected: The customer identified the transaction as suspicious or fraudulent.
• Mandate or consent issues: The required mandate for the debit was either missing, expired, or improperly documented.

Troubleshooting and Solutions

• Advise the customer to contact their bank immediately to clarify the situation and resolve any disputes.
• Stop further attempts to process debits from the customer's account until proper authorization is confirmed.
• Request the customer to provide valid authorization if they wish to continue using debit payments.
• Review internal processes to ensure all debits are supported by proper mandates and customer consent.
• Clearly inform the customer about the transaction status and next steps to avoid future unauthorized debit claims.