A
Authorize.netAuthorize 28
Card Type Not Accepted (Processor)
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The merchant's processor platform does not accept this card type. This is a processor-level restriction rather than an account-level one.
Recommended Action
Contact your merchant service provider to enable this card type on the processor. Ask the customer to use a different card.
Common Causes
- Processor platform not configured for this card brand
- Card type requires a separate merchant account
Recovery Tips
- Request an alternative payment method from the customer
- Contact your payment processor to add support for this card type
Quick Reference
Code
28
Category
Hard Decline
Retryable
No
Source
Authorize
Recoverability verdict
Retrying 28 will not work
This is a hard decline. Retrying code 28 will not recover the payment. But most merchants seeing this code also have soft declines they are not recovering. Check what your retry strategy is leaving behind.
Related Decline Codes
4Non-Retryable
Pick Up Card
The issuer has flagged this card for pickup. This typically indicates the card has been reported lost, stolen, or is associated with fraud.
5Non-Retryable
Invalid Amount
The transaction amount is invalid. A valid numeric amount is required.
6Non-Retryable
Invalid Credit Card Number
The credit card number provided is invalid. The number did not pass basic validation checks.
7Non-Retryable
Invalid Expiration Date
The credit card expiration date format is invalid.