List of ErrorsThe payment was declined because the transaction violates legal or regulatory requirements. This happens when the transaction involves prohibited products or services, sanctioned entities, restricted transaction types, or activities that trigger detection systems designed to prevent illegal financial operations.

Root Cause

• Violation of laws: The transaction involves products, services, or financial activities that are prohibited by local or international law.
• Sanctions or regulatory restrictions: The transaction may involve a sanctioned country, individual, or organization restricted under regulatory guidelines.
• Prohibited transaction type: The attempted transaction type (e.g., gambling, illicit goods, or high-risk financial services) is restricted by the payment gateway or regional regulations.
• Circumvention attempt detected: The transaction triggered detection systems designed to prevent illegal financial activities such as money laundering or fraud.

Troubleshooting and Solutions

• Inform the customer that the transaction cannot be processed as it violates legal or regulatory requirements.
• Suggest the customer review their intended purchase or transaction to ensure compliance with applicable laws.
• Consult the payment gateway or legal team for clarification on the specific regulatory violation.
• Guide the customer to select alternative, legally compliant services or payment methods if possible.
• Update your product catalog and transaction checks to prevent offering restricted services or products that violate the law.