Root Cause

• Regulatory restrictions enforced: The transaction violates specific regional or international regulatory guidelines.

• Blocked due to compliance flags: The payer's account, transaction type, or country is flagged under financial compliance regulations.

• Incorrect transaction categorization: The transaction falls under restricted categories prohibited by local or international laws (e.g., sanctions, embargoes).

• Payment processor limitations: The processor has blocked the transaction to comply with legal obligations and regulatory frameworks (e.g., AML, OFAC, EU sanctions).

Troubleshooting and Solutions

• Verify if the transaction involves restricted countries, industries, or transaction types and adjust payment options accordingly.

• Review merchant payment gateway settings to ensure transactions are compliant with regional laws and regulatory standards.

• Consult the payment gateway's compliance team to understand the specific reason for the regulatory block (RR04 code).

• If necessary, suggest the customer try an alternative payment method that complies with the relevant regulations.