Restricted Card
What This Means
The card has been restricted by the issuing bank and cannot be used for this transaction. This can be due to fraud concerns, account standing issues, or geographic restrictions. SaaS businesses should not retry and should contact the customer.
Retrying will likely fail again. The customer needs to update their payment method or contact their bank.
Common Causes
- 1Bank placed restrictions on the card due to suspected unauthorized use
- 2Card has geographic restrictions that block transactions from your region
- 3Customer's account status triggered a card restriction (e.g., past due on bank payments)
Recovery Tactics
- 1Do not retry this charge
- 2Ask the customer to contact their bank to understand and remove the restriction
- 3Suggest the customer try an alternative payment method
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FAQ
Can the customer lift the restriction?
Often yes. By contacting their bank, the customer can usually find out why the card was restricted and take steps to remove the restriction. The process varies by bank but typically involves identity verification.
Is this the same as a blocked card?
Restricted is less severe than blocked. A restricted card may still work for some transaction types (e.g., in-store but not online). A blocked card will not work for any transactions.
How healthy is your Stripe account?
Get a free churn health report. Find pending cancellations, failed payments, and expiring cards putting your MRR at risk.
Run Free Audit