If you encounter the error message, "Payment for this subscription requires additional user action before it can be completed successfully," it means your bank requires our payment processor to perform an additional layer of authentication to complete the transaction. However, if the bank does not provide a method to fulfill this authentication, the transaction ultimately fails.
This issue is relatively common with banks in certain regions, particularly in India and Pakistan, although it is not exclusive to them. The requirement for additional authentication stems from local banking regulations or enhanced security protocols enforced by the issuing bank.
Possible Solutions to Resolve This Error
Here are a couple of practical solutions to address this issue:
Solution 1: Use a Different Credit Card
Switching to a different credit card can often bypass the problem, especially if the alternate card is issued by a bank that does not impose the same additional authentication requirements.
Important Note: If the new card is issued by another bank in the same region as the original card, you may still encounter the same error. Consider trying a card from a global bank or one based in a different region if available.
Solution 2: Use a Virtual Credit Card
Virtual credit cards provided by services such as Ramp, Koho, or Float Financial are an excellent workaround. These services issue virtual cards that are often not bound by the same regional restrictions or authentication protocols, allowing transactions to process seamlessly.
Virtual credit cards are widely used for secure online transactions and can offer additional privacy and fraud protection benefits.
Setting up a virtual card is typically straightforward, and once activated, it functions like a standard credit card for online payments.
Additional Tips for Resolution
Contact Your Bank: If switching cards or using a virtual credit card isn’t an option, reach out to your bank to inquire about the specific authentication steps required for online payments. Some banks can adjust settings to make transactions smoother.
Enable International Transactions: Ensure your card is enabled for international payments, as restrictions on such transactions can also lead to similar errors.
Update Payment Processor Information: In rare cases, updating your payment processor settings or contacting customer support may help resolve issues with recurring payments.