Root Cause

• General decline from bank: The issuing bank declined the transaction without providing a specific reason.

• Exceeded transaction limits: The customer has exceeded their daily or per-transaction spending limit.

• Account issues: The bank account or card has unresolved issues such as insufficient funds, pending verification, or account restrictions.

• Security or fraud prevention trigger: The transaction was flagged as suspicious by the bank's fraud detection systems.

Troubleshooting and Solutions

• Advise your customer to contact their bank for clarification on the decline reason and resolve any outstanding issues.

• Suggest using a different payment method or card if immediate transaction completion is required.

• Retry the transaction after some time or once the issuing bank/customer confirms the issue has been resolved.

• Ensure the payment system provides clear error messages to guide your customers on the next steps when this decline occurs.

• Consider implementing alternative payment options at checkout to reduce abandonment due to such declines.