Decline code 65: exceeds withdrawal frequency limit

What decline code 65 means

The cardholder has hit the issuer's cap on the number of transactions allowed in a period, rather than the amount.

Should you retry?

Retry after the frequency window resets. Do not stack multiple attempts in the same day, which makes it worse.

Equivalent codes

• Stripe decline code: withdrawal_count_limit_exceeded

Frequently asked questions

Is decline code 65 a soft or hard decline?

Soft decline (retryable). The cardholder has hit the issuer's cap on the number of transactions allowed in a period, rather than the amount.

Should I retry a payment that failed with decline code 65?

Retry after the frequency window resets. Do not stack multiple attempts in the same day, which makes it worse.

Other response codes

• 94 Duplicate transaction
• 96 System malfunction
• 51 Insufficient funds
• 61 Exceeds withdrawal amount limit
• 05 Do not honor
• 01 Refer to card issuer
• 03 Invalid merchant
• 04 Capture card
• All decline codes

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