Root Cause

• Insufficient funds: The customer's card balance is insufficient to complete the transaction.
• Expired card: The card used has expired.
• Incorrect card details: The card number, expiration date, or CVV is invalid.
• Fraud detection: The card issuer or payment processor flagged the transaction as suspicious.
• Card restrictions: The card is restricted for online or international purchases.
• Issuer-related issues: Temporary technical issues occurred at the card issuer's end.

Troubleshooting and Solutions

• Inform the customer that their card was declined.
• Ask the customer to:
  • Verify that the card details (number, expiry, CVV) entered are correct.
  • Ensure that the card is active and has sufficient funds.
  • Contact their card issuer to check for any blocks, restrictions, or fraud alerts.
• Recommend retrying the transaction after verifying the card details.
• Suggest using an alternative payment method if the issue persists.
• If your system supports smart retries (smart dunning), allow the system to automatically retry the transaction later according to the normal_retry scenario.