All off-session payments are rejected with network_decline_code: 59

I have a flow where i'm unable to charge the full payment via off-session payments and its being rejected from banks with Failure code: card_declinedand network_decline_code: 59.

Customer buys a product via checkout. Checkout link is generated with. payment_intent_data.setup_future_usage: off_session.

After the payment is confirmed i consume event payment_intent.succeeded and using this i save the customer_id and payment_method on my end. So that i can change the full payment after X days.

AfterX days, a payment_intent is created with the full_amount , with the same payment_method and customer_id saved after receiving payment_intent.succeeded with off_session: true , confirm: true.

But all of my payments are being rejected with the above Failure code and network_decline_code.

Below you can find my code used for checkout and off-session payment intent.

If you can suggest an alternative way?

// Checkout
await stripeClient.checkout.sessions.create({
        success_url:successUrl,
        mode:'payment',
        line_items:line_items,
        payment_method_types:['card'],
        customer_creation:'always',
        payment_intent_data:{
            setup_future_usage:'off_session',
            metadata:{
                phase:"checkout_initial",
            },
        },
        allow_promotion_codes:true,
        currency:currency,
        billing_address_collection:'required',
        shipping_address_collection:{
            allowed_countries:['US']
        },
        phone_number_collection:{
            enabled:true,
        },
        invoice_creation:{
            enabled:true
        }
    })






// payment intent
 await stripeClient.paymentIntents.create({
    amount: amountPending,
    currency: currency,
    customer: stripeCustomerId,
    payment_method: stripePaymentMethodId,
    off_session: true,
    confirm: true,
    metadata: {
        phase: 'full_charge'
    }
});