Root Cause

• Incomplete merchant account setup: The merchant account has not been fully configured to process transactions.
• Regional configuration issues: The payment gateway requires specific setup steps based on the merchant’s region that have not been completed.
• Connectivity issues between systems: The payment gateway is unable to establish a stable connection with the merchant’s integration.
• Pending compliance or verification: The merchant account is awaiting verification or completion of regulatory requirements.

Troubleshooting and Solutions

• Verify that the merchant account setup is complete and configured correctly for the region.
• Contact the payment gateway support team to check for any outstanding setup or compliance requirements.
• Ensure that the integration between the merchant system and the payment gateway is properly configured and tested.
• Retry the transaction after confirming that all required setup steps have been completed.
• Implement regular account health checks to ensure the merchant setup remains valid and compliant.