Root Cause

• Card issuer restriction: The bank has barred the card from further transactions due to security concerns or account issues.
• Fraud prevention measures: The card has been blocked following suspicious activity or multiple failed transaction attempts.
• Regulatory or compliance reasons: The card has been restricted from use based on regulatory requirements or sanctions.
• Expired or permanently deactivated card: The card has been officially deactivated and is no longer valid for transactions.

Troubleshooting and Solutions

Ask the customer to -

• Use a different payment card to complete the transaction.
• Contact the card issuer to understand the reason for the restriction and resolve it if possible.
• Confirm that the card is active and not expired or permanently blocked.
• Retry the transaction only after the cardholder receives confirmation from their bank that the card is unbarred.

Provide clear guidance at checkout about alternative accepted payment methods.