Description

The payment failed because the card issuer has flagged the card for pickup or restricted use. This typically indicates that the card has been reported as fraudulent, expired, or is not authorized for online transactions.

Recommended Customer Message

Your payment could not be processed due to an issue with your card. Please contact your bank for more information or use a different payment method.

Root Cause

• Issuer flags on the card: The issuing bank may have flagged the card for fraud, expiration, or unauthorized use.
• Card reported lost or stolen: The card has been reported as compromised and is no longer valid.
• Inappropriate card use context: The card was expected to be used in a card-present environment, but the transaction was attempted online or in-app.

Troubleshooting and Solutions

• Inform the customer that their transaction was declined due to a card authorization issue reported by their bank.
• Ask the customer to contact their card issuer to understand why the card cannot be used for online transactions.
• Ask the customer to use a different card or payment method if the current card is no longer valid.
• Ensure the system properly flags and logs the card-not-present environment and declines related to issuer instructions.
• Avoid retrying the same card unless the customer confirms the issue has been resolved with the issuer.