Root Cause

• Card-specific issue preventing capture: The card issuer rejected the final payment capture despite a successful authorization.

• Expired or deactivated card: The card expired or was deactivated between the authorization and capture attempts.

• Insufficient funds at the time of capture: While funds were available during authorization, they were no longer available during capture.

• Card restrictions or fraud blocks: The issuing bank blocked the capture due to new restrictions or detected suspicious activity.

Troubleshooting and Solutions

• Ask the customer to verify that their card details are correct and up to date.

• Recommend the customer ensure sufficient funds or credit are available before retrying the transaction.

• Suggest using an alternative payment method if the issue persists.

• Advise the customer to contact their bank to understand and resolve any issues preventing successful payment capture.

• Ensure the capture attempt occurs within the allowed authorization validity window to prevent expiry-related failures.