Root Cause

• Security block by issuer: The card has been blocked by the issuer due to suspicious activity or fraud prevention measures.
• Exceeded incorrect PIN attempts: The card was blocked after multiple failed PIN entry attempts.
• Policy or regulatory reasons: The issuer blocked the card due to non-compliance with financial or regulatory policies.
• Outstanding dues or payment issues: The card was blocked due to unpaid balances or credit limit violations.

Troubleshooting and Solutions

• Ask the customer to contact their card issuer’s customer service to understand the reason for the block and resolve the issue.
• Recommend using a different active card or payment method to complete the transaction.
• Clearly inform the customer that blocked cards cannot be used for future transactions until unblocked by the issuer.
• Avoid retrying the transaction with the blocked card to prevent further declines.
• If the customer has a replacement card, request that they update their payment details.