List of ErrorsThe payment failed because debit authorizations have been stopped on the card. This happens when the customer requested to stop all debit transactions, the bank imposed a block, the card is inactive or closed, or fraud prevention measures were triggered.

Root Cause

• Customer requested stop: The customer has instructed their bank to halt all debit authorizations on the card.
• Bank imposed block: The issuing bank has stopped all debit transactions due to security concerns, account issues, or regulatory restrictions.
• Card marked inactive or closed: The card has been deactivated or is no longer valid for transactions.
• Fraud prevention measures: The bank halted debit transactions after detecting suspicious activity.

Troubleshooting and Solutions

• Advise the customer to contact their bank to restore debit authorization or issue a new card if needed.
• Suggest the customer try using an alternative payment method to complete the transaction.
• Retry the transaction only after the customer confirms that debit authorization has been restored.
• Clearly inform the customer about the reason for the decline and guide them through the resolution process.
• Implement system checks to alert customers of authorization issues before transaction attempts.
• If caused by a fraud alert, implement 3D Secure authentication to reduce fraud and have the customer confirm their purchase with the bank.