Root Cause

• Unsupported account type: The issuer does not allow transactions for the selected account type (e.g., credit vs. savings or checking).

• Incorrect routing or configuration: The transaction was routed through an account type that is not enabled for the card used.

• Card issuer limitations: The card itself is tied to a specific type of account that does not support universal transaction types.

• Bank settings mismatch: The issuer requires explicit account selection and rejected the transaction when this wasn't properly defined.

Troubleshooting and Solutions

• Inform the customer that their card issuer has rejected the transaction due to an invalid account type selection.

• Ask the customer to:

  • Use a different credit card or payment method.

  • Contact their bank for more information about account compatibility.

• Internally:

  • Verify that your integration does not force an account type that may not apply to all card types.

  • Enable clear account selection options for users where applicable.