# gateway.transaction_authorization.voice_auth_required

> For the complete machine-readable documentation index, see [llms.txt](https://apidocs.chargebee.com/llms.txt).


**gateway**

The payment requires voice authorization from the card issuer. This happens when the bank requests manual verification through a phone call, the transaction was flagged as high-risk or high-value, the issuer enforces voice authorization for specific transactions, or the card uses an older verification process.

## Recommended Customer Message

Your bank is requesting a special authorization code from the merchant to complete this transaction. This can be a lengthy process – please provide a different payment method if possible.

## Root Cause[](#root-cause)

-   **Issuer requires voice authorization:** The customer's bank has requested a manual verification through a phone call before approving the transaction.
-   **High-risk or high-value transaction flagged:** The transaction amount or nature triggered additional scrutiny requiring manual authorization.
-   **Issuer policy for specific transactions:** Some banks enforce voice authorization for certain merchant categories or transaction types.
-   **Outdated card verification process:** Older cards or certain financial institutions still require manual voice authorization in rare cases.

## Troubleshooting and Solutions[](#troubleshooting-and-solutions)

-   Inform the customer that completing this transaction will require additional time due to manual bank verification.
-   If proceeding, contact the card issuer's authorization center as instructed to obtain the required approval code.
-   Clearly communicate to the customer that this process is initiated and controlled by their bank for security reasons.
-   Recommend that the customer use an alternative payment method to avoid delays.