Root Cause

• Fraud detection triggered: The transaction matched one or more fraud detection rules set by the gateway or processor.

• Suspicious transaction patterns: The fraud flag could have got triggered at the issuing bank or payment gateway for unusual purchase behavior, such as high-value transactions, multiple rapid attempts, or mismatched billing details.

• High-risk payment method or location: The transaction could have originated from a flagged IP address or geographic location or used a payment method known for high fraud risk.

• Previous fraud activity associated with customer account: The account or payment method has a history of chargebacks or disputes.

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.

• Turn on 3D Secure authentication to authenticate the customers and reduce fraud attempts.

• Encourage customers to ensure their bank has authorized international or high-value transactions before attempting payment again.