Description

The payment was declined because the transaction type is not allowed for this card or account. This can occur due to card restrictions, issuer policies, account issues, or when the card has expired or been deactivated.

Recommended Customer Message

Your payment could not be processed because this transaction type is not allowed on your card. Please contact your bank or try a different payment method.

Root Cause

• Card restrictions: The card is not allowed for certain transaction types (e.g., online, international, or recurring).
• Issuer policy: The bank's internal rules prevent the transaction, sometimes without disclosing the reason.
• Account issues: The customer's account may have temporary holds, insufficient privileges, or security-related blocks.
• Expired or inactive card: The card has expired or is no longer active for use.

Troubleshooting and Solutions

• Inform the customer that their bank is declining the transaction for unspecified reasons.
• Ask the customer to contact their bank for details regarding the decline.
• Ask the customer to use an alternative payment method if the issue cannot be resolved immediately.
• Avoid retrying the transaction automatically without customer confirmation.
• Provide support agents with a script or predefined message to assist affected customers effectively.