Root Cause

• Bank-imposed withdrawal limits: The customer's account has daily, weekly, or monthly withdrawal caps.

• Account type restrictions: Certain account types (such as savings accounts) enforce lower withdrawal limits.

• Temporary security measures: The bank temporarily enforces stricter withdrawal caps due to risk or fraud prevention concerns.

• Incorrect merchant configuration: Attempting transactions that are higher than allowed thresholds without validation.

Troubleshooting and Solutions

• Inform the customer that their transaction could not be completed because it exceeded their withdrawal limit.

• Ask the customer to:

  • Contact their bank to request an adjustment to their account's withdrawal limits.

  • Retry the transaction after their limits are updated.

  • Use an alternative payment method with a higher transaction limit if necessary.

• Configure smart retries to reattempt the transaction at a later time, aligning with typical salary days when customers may have higher available balances.