Description

The payment failed because the card's Bank Identification Number (BIN) is no longer valid or recognized by the payment network. This can occur when card issuers update their BIN ranges, or when the card has been deactivated, replaced, or incorrectly entered.

Recommended Customer Message

Your payment could not be processed because your card number is no longer valid. Please update your payment information with a new card or contact your bank for assistance.

Root Cause

• Obsolete BINs: The card issuer updated their BIN ranges, and older cards are no longer valid.
• Bank mergers or rebranding: Changes at the issuer level can render previously valid BINs invalid.
• Expired or deactivated cards: Cards tied to old BINs may be phased out as part of security or operational updates.
• Incorrect card information: The card number entered does not correspond to a valid BIN recognized by the payment network.

Troubleshooting and Solutions

• Inform the customer that their card's Bank Identification Number (BIN) is no longer valid.
• Ask the customer to contact their card issuer to confirm the validity of their card.
• Ask the customer to request a replacement card if necessary.
• Ask the customer to update their payment information with a valid card number.
• Retry the transaction only after the customer updates their payment method with a new, valid card.