PaymentRetryAlertDecline code 62: restricted card
What decline code 62 means
The card is restricted by the issuer, often by country, merchant category or card programme rules.
Should you retry?
Do not retry. Request another payment method.
Retrying hard declines costs money. Visa limits reattempts on a card to 15 in 30 days, and Mastercard charges for attempts beyond its thresholds and for every retry after a Merchant Advice Code 03 or 21. Route this decline to account updater or customer outreach instead. See soft vs hard declines.
Equivalent codes
- Stripe decline code:
restricted_card
Frequently asked questions
Is decline code 62 a soft or hard decline?
Hard decline (do not retry). The card is restricted by the issuer, often by country, merchant category or card programme rules.
Should I retry a payment that failed with decline code 62?
Do not retry. Request another payment method.
Other response codes
54Expired card55Incorrect PIN57Transaction not permitted to cardholder58Transaction not permitted to terminal63Security violation70Contact card issuer75Allowable number of PIN tries exceeded79Life cycle- All decline codes
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