Root Cause

• Merchant account not activated for live transactions: The merchant’s account has not completed the required setup or verification for processing live charges.
• Account under review or restricted: The payment gateway has temporarily restricted the merchant account due to compliance or verification issues.
• Pending documentation or verification: Required legal or financial documents have not been submitted or approved to enable live processing.
• Account deactivation or suspension: The payment gateway or platform provider has deactivated or suspended the merchant account.

Troubleshooting and Solutions

• Verify that the merchant account is fully activated and eligible for live transactions.
• Complete any pending verification steps or documentation submissions required by the payment gateway.
• Contact the payment gateway support team to resolve any account restrictions or suspensions.
• Inform customers that their transactions have not been processed and provide alternative payment options if possible.
• Retry the transaction only after the merchant account is successfully enabled for live payments.