If the customer reports card transaction issue, please refer to the workbench ( transaction tab) to the know the exact reason for transaction decline.
Please refer to the updated document to under the error code and inform the customers accordingly.
https://docs.google.com/spreadsheets/d/1Ub7_q-kYxCv64PKjfg3lzjcnEKsj9OhDum6EuA9VqnA/edit?gid=0#gid=0
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