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• Card deactivation: The card is no longer valid and has been permanently deactivated by the issuer.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.

  • Use an alternative card or payment method to complete the transaction.

• Internally:

  • Ensure that the card retry logic is bypassed for cards flagged with lost/stolen statuses.