List of ErrorsThe payment was declined because the card issuer does not permit this transaction type for the cardholder. This can occur due to issuer-imposed limitations, card type restrictions, fraud protection settings, or regulatory blocks.
gateway.transaction_processing.transaction_not_permitted_to_cardholder
Recommended Customer Message
We cannot process this transaction because it is not permitted for your card. Please contact your card issuer for assistance or try using a different payment method.Root Cause
- Issuer-imposed limitations: The cardholder's bank has blocked certain types of transactions for security, compliance, or product limitations.
- Card type restrictions: Some cards (e.g., prepaid, corporate, or debit cards) are restricted from use for specific transaction types such as international, online, or recurring charges.
- Fraud protection settings: The issuer has blocked the transaction due to risk thresholds or fraud prevention rules.
- Regulatory or geographic blocks: The card cannot be used for transactions in specific countries or regions due to local laws or bank policies.
Troubleshooting and Solutions
- Inform the customer that their card issuer is not permitting the transaction.
- Ask the customer to contact their bank or card issuer to understand and possibly lift the restriction.
- Ask the customer to try a different card or payment method if the issue cannot be resolved quickly.
- Avoid retrying the same card automatically for this error code.