Risk Model error decline

[Rolando]

I'm trying to process a credit card payment on a customer and I received the following error below:

Declined: 10626-Transaction refused due to risk model

Per internal search, "“Transaction refused due to risk model” is an error being thrown by the PayPal API and means that either PayPal or the users bank refused the transactions based on whichever risk assessment factors they use."

What does this mean?

[Rolando · Accepted solution]

To fully resolve this issue you will need to contact your merchant processor. While the return message does not provide details, the error in question indicates that something is "risky" about your customer's payment card and/or payment information which is flagged by your merchant processor's risk team. Zuora has not control over credit card approvals or declines.

At this point it is recommended to ask your customer for another form of payment. However, if you would like to pursue this on your end, please contact  your payment processor's Risk & Underwriting team. Any type of holds or warnings on your merchant processing account can be addresses with that team.