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.
gateway.transaction_authorization.voice_auth_required
Recommended Customer Message
Your bank is requesting a special authorization code from the merchant to complete this transaction. This can be a lengthy process – please provide a different payment method if possible.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- Outdated card verification process: Older cards or certain financial institutions still require manual voice authorization in rare cases.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.