call_issuer HTTP 402 Stripe Declines

Stripe Error: call_issuer –

When the card issuer declines a transaction, Stripe returns a call_issuer error code. This indicates that the decline reason is unknown or not provided by the issuer. It does not mean that the customer's account is overdrawn or that there are insufficient funds.

Official documentation ↗

Root Causes

1.

Unknown Decline Reason

The card issuer may have declined the transaction for various reasons such as suspicious activity, high-risk transactions, or other security concerns.

2.

Insufficient Information

Stripe may not receive sufficient information from the card issuer to determine the decline reason.

Resolution

1.Contact the customer's card issuer

Ask the customer to contact their card issuer to resolve the issue.

2.Verify transaction details

Check if the transaction amount, currency, or other details are correct.

Code Examples


            stripe.api_key = 'YOUR_STRIPE_SECRET_KEY'
charge = stripe.Charge.create(amount=1000, currency='usd', source='tok_visa')
try:
  charge.save()
except stripe.error.CardError as e:
  print(e.code)
  # Handle call_issuer error
          

            const stripe = require('stripe')('YOUR_STRIPE_SECRET_KEY');
const charge = await stripe.charges.create({amount: 1000, currency: 'usd', source: 'tok_visa'});
try {
  const result = await charge.save();
} catch (error) {
  if (error.code === 'call_issuer') {
    console.log(error); // Handle call_issuer error
  }
}
          

            $stripe = new 
Stripe\Client('YOUR_STRIPE_SECRET_KEY');
$charge = $stripe->charges->create(['amount' => 1000, 'currency' => 'usd', 'source' => 'tok_visa']);
try {
  $result = $charge->save();
} catch (Stripe\Error\Card $e) {
  if ($e->getCode() === 'call_issuer') {
    print($e);
    // Handle call_issuer error
  }
}
          

            curl -X POST https://api.stripe.com/v1/charges \
  -u YOUR_STRIPE_SECRET_KEY: \
  -H 'Content-Type: application/x-www-form-urlencoded' \
  -d 'amount=1000&currency=usd&source=tok_visa'

FAQ

What is a call_issuer error? ▾

A call_issuer error indicates that the card issuer declined the transaction for an unknown reason.

How do I resolve a call_issuer error? ▾

Contact the customer's card issuer to resolve the issue.

Can I retry a failed payment with a call_issuer error? ▾

No, you should contact the customer's card issuer to resolve the issue.

Independent reference. Always verify against the official Stripe Declines documentation.