Root Cause

• Repeated declines: The same card has been used multiple times unsuccessfully within a short window.

• Fraud prevention mechanisms: The gateway or issuer temporarily blocks further attempts to prevent potential fraud.

• Card issuer policies: Some issuers enforce temporary lockouts after several consecutive failed attempts.

Troubleshooting and Solutions

• Inform the customer that too many recent attempts with their card have been declined.

• Ask the customer to:

  • Wait for some time before attempting the transaction again.

  • Use an alternative payment method, such as a different card, wallet, or UPI.

  • Contact their card issuer to check if additional security measures are being applied.

• If smart dunning is enabled with the normal_retry scenario, allow your system to automatically retry the transaction later.