Root Cause

• Card restrictions: The card does not allow online, international, recurring, or specific types of transactions.

• Issuer policy: The bank has blocked certain transaction types or merchant categories.

• Customer limits or account status: The cardholder's account is subject to restrictions based on spending behavior, usage patterns, or account tier.

• Regulatory blocks: The card is not permitted for use in certain regions or currencies due to compliance rules.

Troubleshooting and Solutions

• Inform the customer that their transaction was declined because it is not permitted by their card issuer.

• Ask the customer to:

  • Contact their bank for more details and to request approval for the transaction type, if possible.

  • Use an alternative card or payment method.

• Internally:

  • Avoid retrying automatically unless a different payment method is selected.