Retryable decline
issuer_unavailable
Issuer temporarily unavailable
What it means
A retryable decline means the request failed for a transient reason. It is worth attempting again with spacing.
Is it retryable?
Retryable with exponential backoff.
Suggested retry window: about 24 hours.
How churnguardian handles it
churnguardian retries on an exponential backoff schedule and escalates to a payment-update email if it keeps failing.
Other retryable decline codes
churnguardian recovers failed Stripe payments automatically — decline-aware retries, branded emails, and one-click card updates. See pricing →