Adyen · Decline codes
What does Adyen refusal reason 29 “Withdrawal count exceeded” mean?
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Adyen refusal reason 29, "Withdrawal count exceeded", means the shopper exceeded the number of withdrawals permitted for the card. Adyen's raw responses describe 65 Exceeds withdrawal count limit: the card hit its usage frequency limit, and the shopper can use another method or try the same card after dealing with the limit. Rapid repeat attempts make it worse.
- Type
- Soft decline
- Who declined
- The shopper's card issuer
- Retry
- Yes, later. Visa category 2: up to 15 reattempts in 30 days.
- Shopper action
- Wait, ask the bank, or use another card.
- Merchant action
- Retry later; avoid rapid repeats.
What PlatformDTC does
PlatformDTC does not connect to Adyen; its checkout runs on Stripe and PayPal. On its Stripe rail PlatformDTC treats raw 65 as a temporary limit: renewals get up to four attempts spaced at least a day apart, never a burst of retries.
Why it happens
Issuers limit how many transactions a card can make in a period. Several quick attempts, including failed ones, can hit it.
What the shopper can do
Wait for the limit to reset, contact your bank, or use another card.
What the store can do
Do not retry in quick succession; each attempt counts. Visa caps raw 65 reattempts at 15 in 30 days.
For developers
refusalReasonCode "29", raw 65 (Visa category 2). For Mastercard, raw 65 can instead mean Authentication required; check the scheme.
Frequently asked questions
- What does Withdrawal count exceeded mean on Adyen (29)?
- The card has been used more often than the issuer allows in the current period.
- Can I retry Adyen refusal 29?
- Later, not in quick succession; Visa allows up to 15 reattempts in 30 days.
Sources
Related
- 28 — The amount is above the spending limit allowed on the card (raw 61).
- 12 — The card does not have enough money or credit for this amount.
- 31 — The shopper's bank reported the payment as suspected fraud (raw 59 or 34).
- 32 — The billing address entered does not match the bank's records.
- 38 — The issuer declined the exemption request and requires 3D Secure for this payment.
- 39 — The 3D Secure result never arrived from the card scheme's directory server.
- 42 — 3D Secure failed because of a problem at the card network or issuer.
- 46 — Adyen stopped the attempt itself so you are not charged scheme penalty fees for excessive retries.