What is error-message: "Credit card transaction failed. - Vendor Response-RPCT.503:New Account Information" ?

What is error-message: "Credit card transaction failed. - Vendor Response-RPCT.503:New Account Information" ?

This is a failure on the consumer's end; not system nor processor. The consumer will need to speak with their card issuer for resolution.

related: https://extendcredit.zendesk.com/hc/en-us/articles/360036097512-What-steps-can-a-consumer-take-when-the-payment-is-declined-by-their-card-issuer-