List of ErrorsThe payment requires voice authorization from the card issuer. This happens when the bank requests manual verification through a phone call, the transaction was flagged as high-risk or high-value, the issuer enforces voice authorization for specific transactions, or the card uses an older verification process.

Root Cause

• Issuer requires voice authorization: The customer's bank has requested a manual verification through a phone call before approving the transaction.
• High-risk or high-value transaction flagged: The transaction amount or nature triggered additional scrutiny requiring manual authorization.
• Issuer policy for specific transactions: Some banks enforce voice authorization for certain merchant categories or transaction types.
• Outdated card verification process: Older cards or certain financial institutions still require manual voice authorization in rare cases.

Troubleshooting and Solutions

• Inform the customer that completing this transaction will require additional time due to manual bank verification.
• If proceeding, contact the card issuer's authorization center as instructed to obtain the required approval code.
• Clearly communicate to the customer that this process is initiated and controlled by their bank for security reasons.
• Recommend that the customer use an alternative payment method to avoid delays.