V
Visa Network Response CodesVisa 62
Restricted Card
Soft Decline
Temporary failures that may succeed on retry
Retryable
This decline may succeed on retry
Description
The card has been restricted by the issuer, typically due to geographic or usage limitations. Reattempts are permitted as the restriction may be temporary.
Recommended Action
Retry after a delay. Ask the cardholder to contact their bank if the restriction persists.
Common Causes
- Card restricted for use in certain countries or regions
- Temporary restriction placed by issuer
- Card type restricted for certain merchant categories
Recovery Tips
- Ask the cardholder to contact their bank to lift the restriction
- Retry after a delay
- Request an alternative payment method
Quick Reference
Code
62
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.
02Retryable
Refer to Card Issuer (Special Condition)
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.
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.
Visa 62 recovery
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Slicker handles codes like 62 by combining decline reason, issuer behavior, BIN data, and timing signals to choose the next best recovery action.
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