Adyen · Decline codes
What does Adyen refusal reason 23 “Transaction Not Permitted” mean?
Checked
Adyen refusal reason 23, "Transaction Not Permitted", covers raw responses 57 Transaction not permitted to issuer/cardholder, 57 Transaction not allowed for this merchant, and 58 Transaction not permitted to acquirer/terminal. The issuer will not allow this transaction on this card. Visa puts 57 in its "issuer will not approve" category, so do not retry; ask for another card.
- Type
- Hard decline
- Who declined
- The shopper's card issuer (or the acquirer)
- Retry
- No. Raw 57 is Visa category 1: do not retry.
- Shopper action
- Use another card or contact the bank.
- Merchant action
- Ask for another payment method.
What PlatformDTC does
PlatformDTC does not connect to Adyen; its checkout runs on Stripe and PayPal. The matching Stripe answer is transaction_not_allowed, and PlatformDTC never retries a renewal declined with raw 57 or 58; the customer is asked to update the card.
Why it happens
Cards can be restricted by type of merchant, country or channel. Adyen's raw responses add that prepaid card loads fail with 57 when merchant, acquirer BIN and issuer BIN are not all domestic.
What the shopper can do
Pay with another card, or ask your bank whether this card can be used for this purchase.
What the store can do
Do not reattempt the same card. Visa charges excessive retry fees on category 1 responses.
For developers
refusalReasonCode "23"; refusalReasonRaw 57 or 58. 57 is Visa category 1.
Frequently asked questions
- Which raw codes map to Adyen refusal 23?
- Adyen lists 57 (not permitted to issuer/cardholder or not allowed for this merchant) and 58 (not permitted to acquirer/terminal).
- Can I retry Adyen refusal 23?
- No. Raw 57 is Visa category 1, where every reattempt can be fined.
Sources
- Adyen refusal reasons — Adyen
- Adyen raw acquirer responses — Adyen
- Mapping to Visa system integrity fee categories (retry limits) — Adyen
- Stripe decline codes — Stripe
Related
- 10 — The shopper's bank does not support or allow this type of transaction on the card.
- 25 — The issuer restricted where this card can be used (raw 62).
- 24 — The card security code (CVC) entered is wrong.
- 26 — The shopper asked their bank to stop this subscription or all recurring payments (raw R0, R1, R3).
- 27 — A specific refusal Adyen could not reliably map to one of its named reasons.
- 28 — The amount is above the spending limit allowed on the card (raw 61).
- 29 — The card has been used more times than its issuer allows in the period (raw 65).