Root Cause

• Account under compliance review: The bank has placed restrictions on the account due to pending compliance or verification checks.

• Regulatory holds: Restrictions have been applied as part of regulatory requirements or investigations.

• Account usage limits exceeded: The account has reached transaction or usage limits imposed by the bank.

• Suspicious or fraudulent activity detected: The bank has restricted the account due to suspected fraudulent transactions or unusual activity.

Troubleshooting and Solutions

• Ask the customer to contact their bank for clarification on the restriction and how to resolve it.

• Recommend using a different payment method or bank account to complete the transaction.

• Retry the transaction after the customer confirms that the restriction has been lifted.

• Clearly communicate the reason for the failed transaction and guide the customer on resolving the issue.

• If the issue persists, suggest the customer escalate the matter within their bank's support channels.