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Security measures, such as 3D Secure authentication, can also cause issues if not completed correctly. For instance, a mistyped one-time password or a slow response can lead to a transaction being declined. Additionally, a high risk payment gateway used by merchants in industries like gaming or travel may flag certain transactions, requiring extra verification that the bank fails to process seamlessly.

Merchants can mitigate these issues by integrating reliable payment gateways with real-time monitoring and fallback options. For customers, contacting the bank to confirm account status or enabling notifications for transaction attempts can help. In some cases, outdated browser settings or incompatible devices may interfere, so ensuring up-to-date software is crucial.