Root Cause

• Bank account closed: The customer's bank account has been permanently closed by the issuing bank.

• Account closure initiated by customer: The customer has closed the account but attempted to use it for a transaction.

• Involuntary closure by bank: The bank closed the account due to policy violations, inactivity, or regulatory reasons.

• Incorrect account information stored: Outdated account information was used for the transaction after the account was closed.

Troubleshooting and Solutions

• Inform the customer that their bank account is closed and cannot be used for transactions.

• Ask the customer to contact their bank for confirmation and details about the account closure.

• Recommend your customer to use a different active bank account or payment method to complete the transaction.

• Remove any saved payment details associated with the closed account to prevent future failures.

• Ensure that the payment system does not attempt retries on permanently closed accounts.