Description

The payment was declined by the card network or issuing bank without providing a specific reason. This can occur due to suspected fraud, temporary restrictions, card limits, or issuer policies that block certain transactions.

Recommended Customer Message

Your payment was declined by your bank. Please contact your bank for more information or try a different payment method.

Root Cause

• Issuer refusal: The issuing bank declined the transaction without providing a detailed reason.
• Suspected fraud or risk flags: The card network detected unusual activity and blocked the transaction.
• Temporary restrictions: The card may have hit its transaction limit, been used excessively in a short time, or be temporarily restricted.
• Incorrect or outdated card information: Although the information passes validation, the issuer still rejects the transaction.

Troubleshooting and Solutions

• Inform the customer that their payment was declined by the card network or bank without a specific reason.
• Ask the customer to contact their bank or card issuer to understand the reason behind the decline.
• Ask the customer to try using a different card or payment method to complete the transaction.
• Avoid retrying the same card automatically without customer action.
• Monitor for patterns or frequent declines from specific issuers or regions and escalate to the payment gateway if necessary.