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.