Root Cause

• Fraudulent use of account number detected: The payment gateway identified that the account number is being used for unauthorized or suspicious transactions.

• Stolen or counterfeit cards linked to the account: The account is associated with payment methods flagged as stolen, lost, or counterfeit.

• Unusual transaction patterns: High-risk behaviors, such as rapid multiple transactions or transactions from suspicious locations, triggered the fraud detection system.

• Compromised account credentials: The account may have been breached, and malicious actors are attempting unauthorized transactions.

Troubleshooting and Solutions

• Review the transaction details, including IP address, device fingerprint, and billing information, for potential red flags.

• Contact the customer directly to verify their identity and confirm the legitimacy of the transaction before retrying.

• Advise the customer to use a different payment method or contact their bank to clarify the payment failure.

• If false positives occur frequently, adjust your fraud detection rules or consult with the payment gateway to fine-tune fraud prevention settings.

• Advise the customer to immediately contact their bank to report the fraudulent activity and secure their account.

• Do proactive engagement with the customer to validate and refund such transactions to reduce the disputes arising out of these.