Stripe decline code
card_velocity_exceeded
The customer has exceeded the balance, credit limit, or number of transactions the issuer permits in a window.
Quick answer
card_velocity_exceeded is a hard decline. Retrying will keep failing; the customer has to act.
| Decline code | card_velocity_exceeded |
|---|---|
| Type | Hard (needs customer action) |
| Retrying helps? | No |
| Category | Bank decline |
| Customer fix | Contact the bank or wait, or use a different card. |
Will retrying help?
No, retrying will keep failing
Do not hammer retries (it compounds the block). Space attempts out and email the customer to use another card.
A real example
The customer hit their card's limit or attempt cap this period, so the charge is blocked.
What the customer needs to do
Contact the bank or wait, or use a different card.
Your recovery approach
Do not hammer retries (it compounds the block). Space attempts out and email the customer to use another card.
Copy-paste recovery email
Subject
Your bank declined the [Product] charge
Your bank blocked the payment without giving a reason, which is common for recurring charges they do not recognize.
A 30-second call to your bank usually fixes it, or you can use a different card below.
Recover card_velocity_exceeded declines on autopilot
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FAQ
What does the Stripe "card_velocity_exceeded" decline code mean?
The customer has exceeded the balance, credit limit, or number of transactions the issuer permits in a window.
Will retrying a "card_velocity_exceeded" decline work?
No. card_velocity_exceeded is a hard decline, so retrying the same card will keep failing. Do not hammer retries (it compounds the block). Space attempts out and email the customer to use another card.
How do I recover a payment that failed with "card_velocity_exceeded"?
Do not hammer retries (it compounds the block). Space attempts out and email the customer to use another card. Customer action: Contact the bank or wait, or use a different card.
Related decline codes
Source: official Stripe decline codes documentation. Recovery guidance is SubRevival's own.