restricted_cardDo not retryStripe decline code: Restricted card
The card is restricted from this use.
Recovery outlook
Do not retry. A hard or fraud-flagged decline. Retrying wastes attempts and can raise your fraud signals. Flag it and move to a new payment method.
What it means
The card has a restriction that prevents it from being used for this charge.
Why it happens
The issuer placed limits on the card. A block, a region/merchant restriction, or a security hold.
Can you retry it?
Restrictions live at the issuer and won't clear on retry. The customer needs to resolve it with their bank or pay with a different card.
Recovery playbook
- 1Ask the customer to use an unrestricted card.
- 2Suggest they check the restriction with their issuer.
- 3Do not retry the restricted card.
- 4Flag repeat restricted cards to avoid wasted attempts.
How Reecova handles restricted_card
Reecova marks restricted_card as a hard decline, stops retries so you don't stack fraud signals, and surfaces it for a clean payment-method switch or write-off. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.