Stripe decline code
call_issuer
The issuing bank declined and wants the cardholder to call them before the charge can go through.
Why it happens
- A fraud or security check needing the cardholder's confirmation.
- A hold on the account.
- Unusual activity the bank wants to verify.
Should you retry it?
Sometimes — it depends on the issuer
Until the customer calls their bank, retries may keep failing — but some clear once the bank's checks pass. Retry on a measured schedule and nudge the customer.
How to recover it
Retry on a moderate schedule and email the customer asking them to call their bank to approve the charge.
Recoverly retries at 2, 5, 10 and 20 days, up to 4 attempts within a 30-day window.
See how much failed-payment revenue you can recover
Connect Stripe (we only read) and Recoverly shows your recoverable revenue in 30 seconds.
Related decline codes
Recoverly retries up to 4 times within 30 days. This page is informational and not affiliated with Stripe.