Zuora recommends that you check the payment in Zuora to see how many times the same payment method has been retried for payment and failed. If there have been several retries, check the error messages from the beginning with the first failure and the more recent failures to determine if the error message is the same. If a merchant tries to process a payment against the same credit card too many times despite receiving errors, this could trigger warnings to the card-issuing bank. The card-issuing bank may place an alert on the account and not allow any further transactions from the merchant using that payment method. When a merchant has been flagged, the error received on the payment may be not state the reason why, instead it might be a generic error decline error. In this case, the merchant (Zuora customer) should work with Merchant e-Solutions to see if they can identify the problem with the payment method. If the processor does not know, then the merchant and/or the card holder can try calling their card-issuing bank to look into the issue.