Stripe decline code
restricted_card
The card has a restriction (for example, a regional or usage limit) that prevents this charge.
Quick answer
restricted_card is a hard decline. Retrying will keep failing; the customer has to act.
| Decline code | restricted_card |
|---|---|
| Type | Hard (needs customer action) |
| Retrying helps? | No |
| Category | Bank decline |
| Customer fix | Contact the bank or use a different card. |
Will retrying help?
No, retrying will keep failing
Request an alternative card via a dunning email.
A real example
A regional or usage restriction on the card prevents the charge.
What the customer needs to do
Contact the bank or use a different card.
Your recovery approach
Request an alternative card via a dunning email.
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 restricted_card declines on autopilot
SubRevival reads every decline code and responds correctly, retrying soft declines on smart timing and emailing customers for hard ones, with a hosted card update page. $19/mo flat.
FAQ
What does the Stripe "restricted_card" decline code mean?
The card has a restriction (for example, a regional or usage limit) that prevents this charge.
Will retrying a "restricted_card" decline work?
No. restricted_card is a hard decline, so retrying the same card will keep failing. Request an alternative card via a dunning email.
How do I recover a payment that failed with "restricted_card"?
Request an alternative card via a dunning email. Customer action: Contact the bank or use a different card.
Related decline codes
Source: official Stripe decline codes documentation. Recovery guidance is SubRevival's own.