Description

The payment was declined because the card issuer does not permit this transaction type for the cardholder. This can occur due to issuer-imposed limitations, card type restrictions, fraud protection settings, or regulatory blocks.

Recommended Customer Message

Your payment could not be processed because your card issuer does not permit this transaction. Please contact your bank or try a different payment method.

Root Cause

• Issuer-imposed limitations: The cardholder's bank has blocked certain types of transactions for security, compliance, or product limitations.
• Card type restrictions: Some cards (e.g., prepaid, corporate, or debit cards) are restricted from use for specific transaction types such as international, online, or recurring charges.
• Fraud protection settings: The issuer has blocked the transaction due to risk thresholds or fraud prevention rules.
• Regulatory or geographic blocks: The card cannot be used for transactions in specific countries or regions due to local laws or bank policies.

Troubleshooting and Solutions

• Inform the customer that their card issuer is not permitting the transaction.
• Ask the customer to contact their bank or card issuer to understand and possibly lift the restriction.
• Ask the customer to try a different card or payment method if the issue cannot be resolved quickly.
• Avoid retrying the same card automatically for this error code.