Braintree · Decline codes
What does Braintree 2057 “Issuer or Cardholder has put a restriction on the card” mean?
Checked
Braintree 2057 “Issuer or Cardholder has put a restriction on the card” means the card has a block set by the bank or by the cardholder, such as no online or foreign purchases. Braintree types it soft and maps it to Visa category 2, so up to 15 retries in 30 days are allowed, but it will keep failing until the shopper lifts the restriction.
- Type
- Soft decline
- Who declined
- The shopper's bank or the cardholder
- Retry
- Later only after the restriction lifts. Visa category 2: max 15 in 30 days
- Shopper action
- Contact the bank
- Merchant action
- Ask the shopper to call the bank
What PlatformDTC does
PlatformDTC does not connect to Braintree. Stripe's restricted_card and the network's Visa 62 are the same answer, and PlatformDTC is stricter than Visa here: it never retries them, and asks the subscriber to update the payment method.
Why it happens
Cardholders can switch off online, foreign or recurring payments in their banking app; banks restrict cards for their own reasons too.
What the shopper can do
Check card settings in your banking app (online, foreign or recurring payments) or call the bank.
What the store can do
Ask the shopper to check their card controls or call the bank, or to pay another way.
For developers
Braintree returns processor_response_code 2057 with processor_response_text “Issuer or Cardholder has put a restriction on the card” and processor_response_type “soft_declined” on the Transaction object. Braintree maps it to Visa category 2 (issuer cannot approve at this time): at most 15 retries in 30 days.
Frequently asked questions
- Can the shopper lift a Braintree 2057 restriction?
- Often yes, in the banking app's card settings, or by calling the bank.
- Is 2057 soft or hard?
- Braintree types it soft and maps it to Visa category 2.
Sources
- Declines: authorization decline codes — Braintree (PayPal)
- Transaction response object — Braintree (PayPal)
- Mapping to Visa system integrity fee categories — Adyen
- Decline codes — Stripe
Related
- 2015 — The bank won't allow this transaction on this card.
- 2019 — The card does not support this kind of transaction.
- 2058 — Your account needs 3D Secure to process this card.
- 2059 — PayPal couldn't verify the address for Seller Protection.
- 2060 — Both the address and security code checks failed.
- 2061 — The transaction data was invalid.
- 2062 — The tax amount sent was invalid.
- 2063 — Your PayPal account preferences blocked this payment type.