Description

The payment failed because the same card has been declined too many times within a short period. The gateway or card issuer has temporarily blocked further attempts to prevent potential fraud or abuse.

Recommended Customer Message

Your payment could not be processed because there have been too many recent declined attempts on this card. Please wait a while before trying again or use a different payment method.

Root Cause

• Repeated declines: The same card has been used multiple times unsuccessfully within a short window.
• Fraud prevention mechanisms: The gateway or issuer temporarily blocks further attempts to prevent potential fraud.
• Card issuer policies: Some issuers enforce temporary lockouts after several consecutive failed attempts.

Troubleshooting and Solutions

• Inform the customer that too many recent attempts with their card have been declined.
• Ask the customer to wait for some time before attempting the transaction again.
• Ask the customer to use an alternative payment method, such as a different card, wallet, or UPI.
• Ask the customer to contact their card issuer to check if additional security measures are being applied.
• If smart dunning is enabled, allow your system to automatically retry the transaction later.