V
Visa Network Response CodesVisa 57
Transaction Not Permitted to Cardholder
Hard Decline
Permanent failures that should not be retried
Do Not Retry
Retry will not succeed
Description
The card is not authorized for this type of transaction. This may be due to card restrictions set by the issuer or cardholder. No reattempts are permitted.
Recommended Action
Do not retry. Ask the cardholder to contact their bank to enable the transaction type, or use a different card.
Common Causes
- Card restricted from certain merchant categories
- International transactions blocked
- Online or recurring payments disabled on the card
- Card type does not support this transaction
Recovery Tips
- Ask the cardholder to contact their issuer to remove restrictions
- Request an alternative payment method
- Verify your merchant category code is correct
Quick Reference
Code
57
Category
Hard Decline
Retryable
No
Source
Visa
Recoverability verdict
Retrying 57 will not work
This is a hard decline. Retrying code 57 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
04Non-Retryable
Pick Up Card
The issuing bank requests that the card be captured. The card is not necessarily fraudulent but the issuer does not want it used. No reattempts are permitted.
07Non-Retryable
Pick Up Card (Fraud)
The issuing bank requests that the card be captured due to suspected fraud on the account. No reattempts are permitted.
12Non-Retryable
Invalid Transaction
The transaction type is not valid or not supported for this card. The issuer will never approve this specific transaction. No reattempts are permitted.
14Non-Retryable
Invalid Account Number
The card number does not correspond to any existing account. The card may have been mistyped, or the account may no longer exist. Visa categories this as both 1 (never approve) and 3 (revalidate data).