Description

The payment requires voice authorization from the card issuer. This error occurs when the bank requests manual verification through a phone call, the transaction was flagged as high-risk or high-value, the issuer enforces voice authorization for specific transactions, or the card uses an older verification process.

Recommended Customer Message

Your payment requires additional verification from your bank. Please contact your card issuer or use a different payment method.

Root Cause

• Issuer requires voice authorization: The customer's bank has requested a manual verification through a phone call before approving the transaction.
• High-risk or high-value transaction flagged: The transaction amount or nature triggered additional scrutiny requiring manual authorization.
• Issuer policy for specific transactions: Some banks enforce voice authorization for certain merchant categories or transaction types.
• Outdated card verification process: Older cards or certain financial institutions still require manual voice authorization in rare cases.

Troubleshooting and Solutions

• Inform the customer that completing this transaction will require additional time due to manual bank verification.
• If proceeding, contact the card issuer's authorization center as instructed to obtain the required approval code.
• Clearly communicate to the customer that this process is initiated and controlled by their bank for security reasons.
• Recommend that the customer use an alternative payment method to avoid delays.