Root Cause

• Insufficient information from the issuer: The customer's bank did not provide a detailed decline reason.
• Additional verification required: The customer may need to approve or authenticate the transaction.
• Account-specific issues: Issues such as holds, restrictions, or blocks on the customer's account that are not disclosed in the gateway response.

Troubleshooting and Solutions

• Inform the customer that their payment requires additional action to complete.
• Ask the customer to contact their bank for more information about the payment failure.
• Ask the customer to confirm if any security holds, verification steps, or card restrictions need to be resolved.
• Retry the payment after the customer addresses any issues with their bank.
• Provide alternative payment options if the problem persists.