# gateway.bank_account.account_declined

> For the complete machine-readable documentation index, see [llms.txt](https://apidocs.chargebee.com/llms.txt).


**gateway**

This happens when a bank declines a debit from the customer's bank account. It is a general decline that may happen due to insufficient funds, account restrictions, incorrect bank details, or other reasons determined by the bank. The bank does not always provide a specific reason for the decline.

## Recommended Customer Message

We couldn't complete the payment due to an issue with your bank account. Please try a different payment method.

## Root Cause[](#root-cause)

-   **Insufficient funds:** The account does not have enough balance to complete the transaction.
-   **Bank declined the transaction:** The issuing bank declined the transaction without specifying a detailed reason.
-   **Account restrictions:** The bank account has certain limitations or restrictions preventing successful transactions.
-   **Incorrect account details:** Invalid or incorrect bank account information was provided during the transaction attempt.

## Troubleshooting and Solutions[](#troubleshooting-and-solutions)

-   Ask the customer to verify and correct their bank account details if necessary.
-   Recommend the customer use a different payment method or bank account to complete the transaction.
-   Suggest the customer check their account balance and resolve any funding issues before retrying.
-   Retry the transaction after confirming that the account is active and has sufficient funds.
-   Advise the customer to contact their bank if the decline continues despite having correct account information and sufficient balance.