Root Cause

• Issuing bank declined the transaction: The bank did not approve the transaction due to internal policies, account status, or suspected fraud.

• Insufficient funds or credit limit exceeded: The customer's account balance or credit limit is inadequate for the transaction amount.

• Incorrect payment details provided: Invalid card information or expired payment credentials led to the decline.

• Bank security or fraud prevention controls: The bank flagged the transaction as suspicious and declined it as a preventive measure.

Troubleshooting and Solutions

• Advise the customer to check their account balance and ensure sufficient funds or available credit.

• We recommend the customer to verify and update their payment details if any information is outdated or incorrect.

• Suggest using a different payment method if the issue cannot be immediately resolved.

• Instruct the customer to contact their bank to understand the reason for the decline and resolve any account restrictions.

• Retry the transaction only after confirming the issue with the original payment method has been addressed.