62 | Restricted card
This code indicates the issuer declined the authorization because the card/account is restricted.
What This Code Means
Response code 62 (“Restricted card”) is returned when the issuer applies a restriction to the card or account that prevents the transaction from being approved. Restrictions can relate to security controls, account status flags, region limitations, channel limitations, or other issuer policies. This is not primarily a funds decline; it indicates the issuer chose not to approve due to restriction status. The code does not specify the exact restriction reason. It is also not necessarily a permanent status; restrictions can be temporary depending on issuer controls and events.
Where Users Usually See This Code
- Online payment declines where issuer restrictions apply
- POS terminal declines for restricted accounts
- Processor logs showing response code 62
Why This Code Appears
- Issuer applied a restriction due to account status or security controls
- Transaction channel or region is restricted for the card
- Issuer rules block the transaction based on risk or policy settings
- The account is not eligible for the requested transaction flow
What Typically Happens Next
- Authorization is declined
- The merchant records a restricted card decline
- Reattempts may also be declined while restriction remains active
What This Code Is Not
- It is not an expired card (see 54)
- It is not a transaction validity error (see 12)
- It is not an issuer unavailability error (see 91)
Troubleshooting Checklist
- □ Review transaction attributes (country, channel, merchant category) associated with the decline
- □ Identify whether the restriction appears across multiple attempts and merchants
- □ Record the code for reconciliation and support workflows
- □ Use official issuer/acquirer support channels to clarify restriction categories if needed
Notes And Edge Cases
Some issuers use code 62 for broad restriction categories, while others use it for specific scenarios such as regional blocks or security flags. The same card may work for some merchants and fail for others depending on issuer policy. The response code does not disclose whether the restriction is due to security, compliance, or account standing; those details generally require issuer-side review. Merchants may also see 62 when issuer policies change temporarily during fraud event surges.