Root Cause

• Card issuer systems are offline: The issuing bank's servers are temporarily unavailable, preventing authorization requests from being processed.

• Scheduled or unscheduled maintenance: The issuer is performing system maintenance, causing temporary unavailability.

• Network failure: Connectivity issues or system failures at the issuer's end have taken their services offline.

• High traffic or load issues: Excessive transaction volumes may have caused the issuer's systems to become unresponsive.

Troubleshooting and Solutions

• Advise the customer to retry the transaction later after the issuer's systems are back online.

• Suggest using an alternative payment method if the transaction is time-sensitive.

• Monitor gateway status updates or notifications for information on outage resolution.