Root Cause

• Unsupported card for setup transactions: The card provided is not eligible for setup or verification transactions required by the payment gateway.
• Card restrictions: The card issuer has blocked or restricted the card from being used for setup or tokenization purposes.
• Invalid card status: The card is inactive, expired, or otherwise invalid for new setups.
• Payment gateway limitations: The gateway does not support the card type for setup or zero-amount authorization transactions.

Troubleshooting and Solutions

• Ask the customer to try using a different, supported payment method.
• Ask the customer to verify that the card is active, valid, and eligible for setup or tokenization.
• Review the gateway documentation to confirm supported card types for setup transactions.
• Contact the payment gateway support team if the issue persists despite using a valid card.
• Clearly inform customers during setup about acceptable card types and any limitations.