Description

The payment failed because the transaction type is not permitted for the card or account. This can occur when the card has restrictions on online, international, recurring, or specific merchant category transactions, or due to issuer policies.

Recommended Customer Message

Your payment could not be processed because this transaction type is not permitted on your card. Please contact your bank or try a different payment method.

Root Cause

• Card restrictions: The card does not allow online, international, recurring, or specific types of transactions.
• Issuer policy: The bank has blocked certain transaction types or merchant categories.
• Customer limits or account status: The cardholder's account is subject to restrictions based on spending behavior, usage patterns, or account tier.
• Regulatory blocks: The card is not permitted for use in certain regions or currencies due to compliance rules.

Troubleshooting and Solutions

• Inform the customer that their transaction was declined because it is not permitted by their card issuer.
• Ask the customer to contact their bank for more details and to request approval for the transaction type, if possible.
• Ask the customer to use an alternative card or payment method.
• Avoid retrying automatically unless a different payment method is selected.