Root Cause

• Inactive or invalid merchant account: The merchant’s account is deactivated, suspended, or not properly configured for processing transactions.
• Merchant account under review: The payment gateway has temporarily disabled the merchant account due to pending compliance or verification checks.
• Incorrect merchant credentials: Invalid or outdated credentials are being used for payment processing.
• Payment gateway restrictions: The gateway has flagged or blocked the merchant account due to policy violations or regulatory concerns.

Troubleshooting and Solutions

• Verify the merchant account status and ensure it is active and properly configured for processing transactions.
• Contact the payment gateway support team to resolve any account restrictions or reactivation requirements.
• Retry the transaction only after the merchant account is confirmed to be valid and active.
• Inform customers of the issue and provide alternative payment options if immediate resolution is not possible.
• Implement proactive monitoring to receive alerts on any changes to the merchant account status.