Root Cause

• Fraudulent card application detected: The card issuer identified inconsistencies or suspicious details in the customer's card application, leading to a fraud flag.

• Use of stolen or falsified information: The card may have been obtained using compromised personal details or fabricated documentation.

• High-risk behavior identified: Patterns of fraud, such as rapid multiple applications or mismatched identity verification data, triggered the fraud detection system.

• Card issuer security measures activated: The issuer proactively blocked the card to prevent potential financial loss from fraudulent activity.

Troubleshooting and Solutions

• Review the transaction details, including IP address, device fingerprint, and billing information, for potential red flags.

• Contact the customer directly to verify their identity and confirm the legitimacy of the transaction before retrying.

• Advise the customer to use a different payment method or contact their bank to clarify the payment failure.

• If false positives occur frequently, adjust your fraud detection rules or consult with the payment gateway to fine-tune fraud prevention settings.

• Turn on 3D Secure authentication to authenticate the customers and reduce fraud attempts.

• Encourage customers to ensure their bank has authorized international or high-value transactions before attempting payment again.