Root Cause

• Invalid or incorrect bank account details: The account number, IFSC/IBAN, or other required details are incorrect or improperly formatted.

• Account status issues: The customer's bank account is closed, frozen, or otherwise restricted from processing transactions.

• Bank system error: The issuing bank encountered a technical issue while processing the transaction request.

• Unsupported bank account type: The bank account does not support the requested transaction type (e.g., direct debit, ACH).

Troubleshooting and Solutions

• Advise the customer to verify their bank account details and correct any inaccuracies before retrying the transaction.

• Recommend contacting the customer's bank to check for account restrictions or status-related issues.

• Suggest using an alternative payment method if the issue persists.

• Monitor transaction logs for recurring issues and escalate to the payment gateway if the error frequently occurs.