Root Cause

• Issuer refusal: The issuing bank declined the transaction without providing a detailed reason.

• Suspected fraud or risk flags: The card network detected unusual activity and blocked the transaction.

• Temporary restrictions: The card may have hit its transaction limit, been used excessively in a short time, or be temporarily restricted.

• Incorrect or outdated card information: Although the information passes validation, the issuer still rejects the transaction.

Troubleshooting and Solutions

• Inform the customer that their payment was declined by the card network or bank without a specific reason.

• Ask the customer to:

  • Contact their bank or card issuer to understand the reason behind the decline.

  • Try using a different card or payment method to complete the transaction.

• Internally:

  • Avoid retrying the same card automatically without customer action.

  • Monitor for patterns or frequent declines from specific issuers or regions and escalate to the payment gateway if necessary.