# gateway.transaction_processing.network_decline

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


**gateway**

The payment was declined by the card network or issuing bank without providing a specific reason. This can occur due to suspected fraud, temporary restrictions, card limits, or issuer policies that block certain transactions.

## Recommended Customer Message

Your payment was declined. Contact your issuer for more details, or use a different payment method.

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

-   **Issuer refusal:** The issuing bank declined the transaction without providing a detailed reason.
-   **Suspected fraud or risk flags:** The card network detected unusual activity and blocked the transaction.
-   **Temporary restrictions:** The card may have hit its transaction limit, been used excessively in a short time, or be temporarily restricted.
-   **Incorrect or outdated card information:** Although the information passes validation, the issuer still rejects the transaction.

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

-   Inform the customer that their payment was declined by the card network or bank without a specific reason.
-   Ask the customer to contact their bank or card issuer to understand the reason behind the decline.
-   Ask the customer to try using a different card or payment method to complete the transaction.
-   Avoid retrying the same card automatically without customer action.
-   Monitor for patterns or frequent declines from specific issuers or regions and escalate to the payment gateway if necessary.