Root Cause

• Temporary bank-side issues: The card issuer is experiencing temporary service disruptions or processing delays.
• Card under review or flagged: The card has been temporarily restricted due to suspicious activity or internal security checks by the issuer.
• Payment network instability: Issues in the payment processing network are affecting transaction authorization.
• High transaction volume: The card issuer is handling a high volume of transactions, causing delays or timeouts in processing.

Troubleshooting and Solutions

• Retry the transaction after a short interval to allow any temporary issues to resolve.
• Suggest using a different card or payment method if the problem persists.
• Recommend the customer contact their card issuer to check for any temporary restrictions or account holds.
• Clearly communicate the reason for the transaction failure and suggest corrective steps.
• Monitor transaction patterns and escalate to the payment gateway if frequent temporary issues occur.