Root Cause

• Temporary gateway issues: Service disruptions or outages at the payment processor.
• Bank-side declines: The bank declined the transaction without a detailed reason.
• Network or timeout errors: Interruption in the transaction communication between systems.
• Unexpected technical failures: Generic failures at any stage of transaction authorization.

Troubleshooting and Solutions

• Inform the customer that their payment could not be processed.
• Ask the customer to retry the transaction after a few minutes.
• Ask the customer to use a different payment method if the issue persists.
• Monitor the payment gateway's status page or service health dashboards for any ongoing incidents.
• Avoid repeated automatic retries without customer confirmation.