Root Cause

• Card permanently deactivated: The card has been deactivated by the issuer and is no longer valid for transactions.
• Card replaced: A replacement card has been issued, and the old card was deactivated automatically.
• Issuer-initiated deactivation: The issuing bank deactivated the card due to inactivity, account closure, or suspected fraud.
• Expired card lifecycle: The card has reached the end of its lifecycle and is no longer usable.

Troubleshooting and Solutions

• Ask the customer to contact their card issuer for further clarification and assistance.
• Recommend using a different, active payment card to complete the transaction.
• Advise the customer to check if they have received a replacement card from the issuer.
• Do not retry the transaction with the deactivated card, as it will continue to fail.
• Enable Account Updater at your payment gateway to automatically refresh expired or replaced card details and reduce transaction failures.
• Ensure your system removes or flags deactivated cards to prevent future failed attempts.