V
Visa Network Response CodesVisa 02
Refer to Card Issuer (Special Condition)
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
Similar to code 01 but indicates a special condition. The issuing bank wants the merchant to contact them for a specific reason related to the account.
Recommended Action
Retry the transaction. If repeated failures occur, ask the cardholder to contact their bank.
Common Causes
- Special account restrictions in place
- Issuer flagged transaction for manual review
- Account-specific conditions requiring verification
Recovery Tips
- Retry after a short delay
- Ask the cardholder to contact their issuing bank
- Try a different payment method as fallback
Quick Reference
Code
02
Category
Soft Decline
Retryable
Yes
Source
Visa
Related Decline Codes
01Retryable
Refer to Card Issuer
The issuing bank is requesting the merchant to contact them before proceeding. This is a generic referral code indicating the issuer wants more information or verification.
03Retryable
Invalid Merchant
The merchant ID or terminal configuration is not recognized or not valid for this transaction type. This typically indicates a setup issue rather than a cardholder problem.
05Retryable
Do Not Honor
The issuing bank has declined the transaction without providing a specific reason. This is one of the most common decline codes and can be temporary or permanent depending on the issuer's internal risk assessment.
06Retryable
Error
A general error occurred at the issuing bank. This is a non-specific error indicating a processing problem.
Visa 02 recovery
Recover more payments like Visa 02
Slicker handles codes like 02 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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