Root Cause

• Temporary bank restrictions: The customer's bank has temporarily blocked transactions from being processed.

• Fraud detection measures: The bank flagged the transaction as suspicious and declined it as a precaution.

• Card-specific limitations: The card being used is temporarily not allowed for certain types of transactions (e.g., online purchases, cross-border payments).

• Account issues: Problems such as overdue payments, account suspensions, or unusual activity can trigger declines.

Troubleshooting and Solutions

• Inform the customer that their transaction was declined by their bank.

• Ask the customer to:

  • Try completing the transaction using a different card or payment method.

  • Contact their bank to resolve any issues that might have led to the decline.

• Retry the transaction after the customer confirms that the issue is resolved.

• Monitor gateway logs for patterns if multiple customers experience similar declines, and escalate to the payment processor if needed.