Description

The payment failed because the card has been reported as lost by the cardholder. The issuing bank has blocked the card and it cannot be used for any transactions until the issue is resolved or a replacement card is issued.

Recommended Customer Message

Your payment could not be processed because this card has been reported as lost. Please use a different payment method to complete your purchase.

Root Cause

• Card reported lost by the cardholder: The customer reported the card as lost to their issuing bank.
• Issuer block: The bank automatically blocked the card due to suspected fraud or inactivity.
• Card deactivation: The card is no longer valid and has been permanently deactivated by the issuer.

Troubleshooting and Solutions

• Inform the customer that their card has been reported as lost and cannot be used for the transaction.
• Ask the customer to contact their issuing bank to confirm the status of the card.
• Ask the customer to use an alternative card or payment method to complete the transaction.
• Ensure that the card retry logic is bypassed for cards flagged with lost or stolen statuses.