Root Cause

• Incorrect payment details: The card number, expiration date, CVV, or billing information entered is incorrect.

• Card-specific restrictions: The payment method being used may not allow certain types of transactions (such as international payments).

• Temporary gateway issues: A transient failure occurred during the transaction authorization process.

• Issuer declines: The bank declined the payment without providing specific, detailed reasons.

Troubleshooting and Solutions

• Inform the customer that their payment attempt failed.

• Ask the customer to:

  • Verify that their payment details (card number, expiration date, CVV, and billing address) are correct.

  • Try submitting the transaction again.

  • Use a different payment method if the problem persists.

• Monitor gateway error logs to identify if there are broader patterns or gateway-specific issues causing the failures.