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List of ErrorsAn issue with the card. This can happen when the card-issuing bank experiences temporary service disruptions, the card is under review or restricted, the issuer declines without a specific reason, or there are network routing issues.
gateway.payment_method.card_issue
Recommended Customer Message
There may be an issue with your card or a temporary problem at your card-issuing bank. Please try again. If the decline persists, please use a different card or payment method.Root Cause
- Temporary bank-side issues: The card-issuing bank is experiencing temporary service disruptions or processing delays.
- Card under review or restricted: The customer's card is flagged for review or temporarily restricted by the bank due to recent activity or security concerns.
- Issuer decline without reason: The issuing bank declined the transaction without providing a detailed error code or reason.
- Network or routing issues: Technical problems in the transaction routing process between the payment gateway and the card issuer.
Troubleshooting and Solutions
- Retry the transaction after a short interval to rule out temporary bank-side issues.
- Advise the customer to contact their card issuer to confirm if the card has any blocks or restrictions.
- Suggest using an alternative card or payment method if the issue persists.
- Monitor for recurring declines from the same issuer and escalate to the payment gateway if necessary.
- Clearly inform customers of the failure reason and guide them on possible next steps to resolve the issue.