Root Cause

• Incorrect payment details: The card number, expiration date, CVV, or billing information entered is incorrect.
• Card-specific restrictions: The payment method being used may not allow certain types of transactions (such as international payments).
• Temporary gateway issues: A transient failure occurred during the transaction authorization process.
• Issuer declines: The bank declined the payment without providing specific, detailed reasons.

Troubleshooting and Solutions

• Inform the customer that their payment attempt failed.
• Ask the customer to verify that their payment details (card number, expiration date, CVV, and billing address) are correct.
• Ask the customer to try submitting the transaction again.
• Ask the customer to use a different payment method if the problem persists.
• Monitor gateway error logs to identify if there are broader patterns or gateway-specific issues causing the failures.