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gateway

gateway.technical.issuer_not_found

We received a decline code indicating that the submitted card number doesn't correspond to an existing card-issuing bank or there's a connectivity error with the issuer. Please advise the customer to contact their bank for further details.

Recommended Customer Message

The card number you entered appears to be invalid or there was an issue connecting with your bank. Please double-check your card details or contact your bank for assistance.

Root Cause

  • Invalid or unrecognized card number: The card number provided does not match any known card issuer or is improperly formatted.

  • Incorrect BIN (Bank Identification Number): The first six digits of the card number (BIN) do not correspond to a valid issuing bank.

  • Connectivity issue with the issuer: The payment gateway was unable to establish a connection with the issuing bank's systems.

  • Use of decommissioned or unsupported card ranges: The card number belongs to a discontinued or unsupported card program.

Troubleshooting and Solutions

  • Advise your customer to verify the card number and try the transaction again.

  • Recommend using a different payment card if the problem persists.

  • Instruct your customer to contact their bank for clarification on the card's validity and issuing status.