S
StripeStripe call_issuer
Call Issuer
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card was declined for an unknown reason. The customer needs to contact their card issuer for more information.
Recommended Action
Ask the customer to contact their card issuer for more details.
Common Causes
- Issuer has placed a hold or restriction
- Unusual transaction pattern detected by issuer
- Issuer requires verbal authorisation
Recovery Tips
- Send a dunning email asking the customer to call their bank
- Retry after a delay in case the issue is transient
Quick Reference
Code
call_issuer
Category
Soft Decline
Retryable
Yes
Source
Stripe
Related Decline Codes
authentication_requiredRetryable
Authentication Required
The card was declined because the transaction requires authentication such as 3D Secure.
authentication_not_handledRetryable
Authentication Not Handled
The payment required authentication but the authentication flow was not performed before proceeding.
approve_with_idRetryable
Approve with ID
The payment cannot be authorised.
card_velocity_exceededRetryable
Card Velocity Exceeded
The customer has exceeded the balance, credit limit, or transaction amount limit on their card.
Stripe call_issuer recovery
Recover more payments like Stripe call_issuer
Slicker handles codes like call_issuer by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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