restricted_card HTTP 402 Stripe Declines

Stripe Error: restricted_card –

The restricted_card error is triggered when a customer attempts to use a card that has been flagged for restrictions by the issuing bank or Stripe's systems. This can occur due to various reasons such as high-risk transactions, suspicious activity, or account security measures.

Official documentation ↗

Root Causes

1.

Restricted Card

The customer's card has been flagged for restrictions by the issuing bank or Stripe's systems.

2.

High-Risk Transactions

Stripe's systems have detected high-risk transactions associated with the customer's card.

Resolution

1.Contact Customer Support

Reach out to your customers and ask them to contact their bank or Stripe support for assistance.

2.Verify Card Information

Double-check the card details provided by the customer and ensure they match the information on file with Stripe.

Code Examples


            stripe.api_key = 'YOUR_STRIPE_API_KEY'
try:
  stripe.Charge.create(amount=100, currency='usd', source='tok_visa')
except stripe.error.CardError as e:
  print(e)
          

            const stripe = require('stripe')('YOUR_STRIPE_API_KEY');
try {
  const charge = await stripe.charges.create({ amount: 100, currency: 'usd', source: 'tok_visa' });
} catch (err) {
  console.log(err);
}
          

            $stripe = new 
Stripe('YOUR_STRIPE_API_KEY');
try {
  $charge = $stripe->charges->create(['amount' => 100, 'currency' => 'usd', 'source' => 'tok_visa']);
} catch (Exception $e) {
  echo $e->getMessage();
}
          

            curl -X POST https://api.stripe.com/v1/charges \
  -u YOUR_STRIPE_API_KEY: \
  -d "amount=100&currency=usd&source=tok_visa"

FAQ

What causes a restricted_card error? ▾

A restricted_card error occurs when a customer's card is flagged for restrictions by the issuing bank or Stripe's systems.

How do I resolve a restricted_card error? ▾

To resolve a restricted_card error, contact your customers and ask them to reach out to their bank or Stripe support for assistance.

Can I prevent restricted_card errors from occurring? ▾

While you cannot completely prevent restricted_card errors, you can minimize the risk by verifying card information and ensuring that high-risk transactions are properly flagged.

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