Root Cause

• Pending bank account verification: The customer's bank account has not completed the mandatory verification process required for transactions.

• Incomplete micro-deposit verification: The customer did not verify the micro-deposit amounts sent by the payment gateway or bank. This is applicable only for certain Direct Debit Schemes.

• Verification documents not submitted: Required identity or account ownership documents have not been provided to the bank.

• Bank policy restrictions: Some banks restrict transactions until the verification process is fully completed.

Troubleshooting and Solutions

• Ask your customer to complete the bank account verification process as instructed by their bank or financial institution.

• If micro-deposit verification is required, ensure the customer has checked and confirmed the deposited amounts.

• Retry the transaction only after the account has been successfully verified.

• Recommend your customer to use an alternative verified payment method if immediate payment is necessary.

• Clearly communicate the need for account verification before attempting future transactions.