Decline code 70: contact card issuer

What decline code 70 means

The issuer wants the cardholder to get in touch before approving. Similar in practice to code 01.

Should you retry?

Do not machine-retry. Prompt the customer to contact their bank.

Frequently asked questions

Is decline code 70 a soft or hard decline?

Soft decline (retryable). The issuer wants the cardholder to get in touch before approving. Similar in practice to code 01.

Should I retry a payment that failed with decline code 70?

Do not machine-retry. Prompt the customer to contact their bank.

Other response codes

• 57 Transaction not permitted to cardholder
• 58 Transaction not permitted to terminal
• 62 Restricted card
• 63 Security violation
• 75 Allowable number of PIN tries exceeded
• 79 Life cycle
• 82 Policy
• 83 Fraud / security
• All decline codes

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