Root Cause

• Non-specific failure: Typically returned by the issuing bank when they don't disclose the exact cause.

• Possible other reasons: The bank did not approve the transaction, possibly due to insufficient funds, card restrictions, or flagged activity.

• Risk or fraud checks failed: The transaction failed automated fraud prevention or risk assessment systems.

• Temporary processor issues: The payment processor may have experienced a brief service interruption or delay.

Troubleshooting and Solutions

• Advise the customer to retry the transaction after verifying their payment details.

• Recommend using a different payment method if the issue persists.

• Suggest the customer contact their bank to understand the reason for the decline and resolve any account restrictions.

• Monitor the payment gateway for any ongoing technical issues or service disruptions.

• If repeated, track decline patterns by BIN (Bank Identification Number) to detect issuer-level issues.