Root Cause

• Invalid card details provided: The card number, expiry date, CVV, or other payment information is incorrect or invalid.

• Unsupported card type by issuer: The issuer does not support the type of transaction attempted, or the card is not authorized for online payments.

• Card has expired or is deactivated: The payment method used is no longer valid for transactions.

• Issuer's fraud or security rules triggered: The issuer has declined the transaction based on internal fraud prevention or security policies.

Troubleshooting and Solutions

• Ask the customer to review and correct their card details before retrying the transaction.

• Recommend using a different valid payment method if the issue persists.

• Suggest that the customer contact their bank or card issuer to confirm if their card is active and eligible for the transaction type.

• Implement validation checks in the payment form to prevent invalid card information from being submitted.

• If recurring, review payment gateway configurations and ensure all accepted payment methods are properly set up.