When this emerges, it may mean the following:
Customer has spent beyond the allowed limit. (e.g. if the user binded a debit card – spent > )
User has overdue payments, hence unable to process payment
The system has detected a payment risk (e.g. same credit/debit card detected on another user)
Solution:
If there are outstanding amounts, clear all outstanding payments in order to unfreeze account
Check if customer has any ongoing bills and advise customer to spend within credit limit allocated
Check if customer is using an existing card on another existing account and if so, advise to use another credit/debit card