Root Cause

• Customer requested to stop all debit transactions: The customer has instructed their bank to halt all debit authorizations on the card.

• Bank imposed a block on the card: 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• Card marked inactive or closed: The card has been deactivated or is no longer valid for transactions.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 it's because of a fraud alert, implement 3D Secure authentication to reduce fraud and have the customer confirm their purchase with the bank.