The issuing bank is declining to authorize the card.
Note: Paya provides Master Error Code lists from all processors within their support knowledgebase here.
- Incorrect credit card number or expiration date
- Insufficient funds
- The bank declined based on location
- The bank's fraud rules blocked the transaction
Suggested action from Paya: Please have your customer contact their bank for a more detailed explanation of the decline. We recommend not attempting this transaction again for 24 hours after the initial decline.
Contact the customer to have them add a new payment method and add it to their Scheduled Order.
Once a new payment method is added to the Scheduled Order, the Scheduled Order should be processed with the new payment method.
If you are adding a new payment method for your customer directly to your payment gateway (manually), ensure that you edit the failed Scheduled Order, add a new payment method, and copy the required billing information from the payment gateway directly to their Scheduled Order including:
- Gateway CustomerId
- Billing Address
- Payment Method Description (optional, but strongly suggested because it is used to display the payment method to your customer)
Once this issue is resolved, you should use the action to Restart Processing the Failed Scheduled Order.
Updated about 1 year ago