Root Cause

• Bank-imposed restrictions: The issuing bank has applied restrictions on the customer's card, preventing certain transactions.

• Geographical or merchant category restrictions: The card is restricted from being used in specific countries or with certain types of merchants.

• Regulatory or compliance holds: The card is restricted due to regulatory requirements or pending verification.

• Fraud prevention controls: The card has been restricted due to recent suspicious activity or security concerns.

Troubleshooting and Solutions

• Advise the customer to contact their issuing bank to understand the specific restrictions on their card and how to resolve them.

• Suggest trying a different card or payment method to complete the transaction.

• Retry the transaction only after the customer confirms that the restrictions have been lifted.

• Clearly communicate the transaction failure reason and provide actionable guidance to the customer.

• Encourage customers to ensure their card is enabled for online transactions and international payments if applicable.