Root Cause

• Issuer-imposed limitations: The cardholder's bank has blocked certain types of transactions for security, compliance, or product limitations.

• Card type restrictions: Some cards (e.g., prepaid, corporate, or debit cards) are restricted from use for specific transaction types such as international, online, or recurring charges.

• Fraud protection settings: The issuer has blocked the transaction due to risk thresholds or fraud prevention rules.

• Regulatory or geographic blocks: The card cannot be used for transactions in specific countries or regions due to local laws or bank policies.

Troubleshooting and Solutions

• Inform the customer that their card issuer is not permitting the transaction.

• Ask the customer to:

  • Contact their bank or card issuer to understand and possibly lift the restriction.

  • Try a different card or payment method if the issue cannot be resolved quickly.

• Internally:

  • Avoid retrying the same card automatically for this error code.