What it means
The card has restrictions that block this specific charge.
← All Stripe decline codes
Card update requiredHard decline
restricted_card
Card has restrictions
Category
Hard decline
Retryable
No — update the card
Suggested retry
No auto-retry
Why it happens
The bank restricted the card for this merchant category or transaction type.
How to recover the payment
Ask for a different card. The restriction is set by the bank.
Category tip: Not worth retrying automatically until the card is updated.
Recovery email preview
Subject: Action needed — your payment did not go through
Your bank has restricted this card for this payment. Please use another card.
Update payment methodSent automatically by churnguardian the moment this code appears.
How churnguardian handles it
churnguardian stops automatic retries and emails the customer a one-click link to update their card, so recovery happens as soon as they act.
- Decline-aware retries timed to recovery odds
- Branded recovery emails with a one-click card update
- Stops automatically the moment the charge clears
At a glance
- Retryable
- No
- Retry window
- No auto-retry
- Card must be replaced
- Yes
Frequently asked
What does the Stripe decline code restricted_card mean?+
The card has restrictions that block this specific charge.
Is the Stripe decline code restricted_card retryable?+
Ask for a different card. The restriction is set by the bank.
How do I recover a payment declined with restricted_card?+
Ask for a different card. The restriction is set by the bank.
What should I send the customer for restricted_card?+
Your bank has restricted this card for this payment. Please use another card.
Related hard decline codes
card_not_supportedCard type not supportedcurrency_not_supportedCurrency not supported by cardexpired_cardCard has expiredincorrect_cvcCVC check failedincorrect_numberCard number is incorrectincorrect_zipZIP/postal code check failed
Browse the full list of Stripe decline codes or look one up with the free lookup tool.
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