List of ErrorsThe payment failed with a permanent decline that should not be retried. This happens when an unrecoverable error is detected, the transaction is blocked due to high-risk or security concerns, there are severe account or card issues, or regulatory or compliance requirements are violated.

Root Cause

• Unrecoverable error detected: The payment gateway or card issuer identified a critical issue that cannot be resolved by retrying the transaction.
• High-risk or security-related block: The card issuer or gateway detected a high-risk transaction and has imposed a block to prevent further attempts.
• Severe account or card issues: The card or account may be under investigation, suspended, or permanently restricted from further use.
• Regulatory or compliance enforcement: The transaction violates regulatory requirements, leading to a permanent block on this specific payment attempt.

Troubleshooting and Solutions

• Instruct the customer not to retry the transaction with the same payment method.
• Recommend contacting their card issuer directly to understand and resolve the underlying issue.
• Suggest using a different payment method to complete the transaction if immediate payment is required.
• Adjust your payment retry strategy to not do automated retries for such cases.
• Clearly communicate to the customer that repeated retry attempts are not allowed and will not succeed.
• Monitor for recurring instances of this error to identify patterns or potential configuration issues with the payment gateway.