Root Cause

• Card reported as lost: The cardholder has officially reported the card as lost to the issuing bank.
• Issuer-initiated block: The bank has proactively blocked the card due to suspected loss or security concerns.
• Deactivated card: The card has been permanently deactivated and cannot be used for any transactions.
• Pending replacement: A replacement card has been issued, and the lost card is no longer valid.

Troubleshooting and Solutions

• Ask the customer to use a different active card or payment method.
• Recommend that the customer contact their bank if they have not yet received a replacement card.
• Avoid retrying the transaction with the reported lost card.
• Ensure your system flags and prevents further attempts with the lost card details.