Root Cause

• Test bank account used: The bank account provided is configured for test environments and cannot be used for live transactions.

• Incorrect environment configuration: The transaction was attempted using test credentials or accounts in a production environment.

• Saved test data used in production: Test bank account details were accidentally stored and used for live transactions.

• Payment gateway restrictions: The payment gateway prevents test accounts from being used outside sandbox environments.

Troubleshooting and Solutions

• Ask the customer to provide valid bank account details for live transactions.

• Verify that the correct environment (production) is being used for the transaction.

• Ensure that any saved test data is cleared from the customer's stored payment methods.

• Retry the transaction after updating with valid bank account information.

• Review payment gateway settings to prevent test accounts from being used in production environments.