Stripe decline code
issuer_not_available
Stripe couldn't reach the issuing bank to get an authorization decision — a temporary connectivity problem rather than a declined card.
Why it happens
- The issuing bank's authorization system was briefly unreachable.
- A network route to the issuer timed out.
- Scheduled maintenance on the issuer side.
Should you retry it?
Yes — retrying usually recovers it
Once the issuer is reachable again, the same card usually authorizes normally, so a prompt retry is effective.
How to recover it
Retry on a short schedule until the issuer is reachable. No customer action is typically required.
Recoverly retries at 1, 2, 4 and 7 days — quick re-attempts suited to a temporary error — for 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.