Root Cause

• Card not activated: The card is being used for the first time but has not yet been activated by the cardholder through the issuer’s official activation process.
• Issuer verification pending: The card requires additional verification steps before it can be used for transactions.
• Blocked for security reasons: Some banks automatically block first-time card use until the cardholder explicitly verifies and activates it.

Troubleshooting and Solutions

• Ask the customer to contact their card issuer’s customer service to activate the card.
• Ensure that the customer has completed all required verification steps as instructed by their bank.
• Retry the transaction after the card is successfully activated.
• Suggest using an alternative payment method if immediate activation is not possible.
• Clearly communicate activation requirements to customers when saved or new cards are added.