Root Cause

• Bank account restrictions: The bank account has limitations or restrictions preventing it from being used for transactions.

• Account closed or suspended: The account has been closed or temporarily suspended by the issuing bank.

• Insufficient verification: The bank account has not completed the required verification steps for online or recurring payments.

• Regulatory or compliance holds: The account is under a compliance review or regulatory hold, making it temporarily unusable.

Troubleshooting and Solutions

• Ask the customer to contact their bank to determine why the account is unusable and resolve any pending issues.

• Recommend using a different payment method or bank account to complete the transaction.

• Retry the transaction once the bank confirms that the account is active and usable.

• Ensure that account verification processes have been completed before attempting further transactions.

• You may also reach out to the gateway to check if there are any verifications pending on their side.