Discover Payment Decline Code
Discover Decline Code 62: Restricted Card
Category Transaction RestrictionsRetry Guidance Hard Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Discover Decline Code 62 Means
Discover decline code 62 (Restricted Card) indicates that the card is restricted from completing this type of transaction.
Where the Response May Come From
Code 62 means the card carries a restriction, such as a geographic or usage limitation, that prevents this transaction. It is an issuer restriction on the account, so the issuer's records govern handling.
Common Reasons for This Response
Common causes include card-level restrictions such as regional, program, or usage limits.
Should the Merchant Retry the Payment?
Reattempting the same transaction returns code 62 again while the restriction applies; a different card or a change the issuer must make is required.
Recommended Merchant Action
Ask the customer to use a different card or contact their bank about the restriction rather than reattempting the same transaction.
What to Tell the Customer
Let the customer know their card has a restriction preventing the payment and suggest another card or contacting their bank.
How to Reduce Similar Payment Failures
Tracking code 62 by region or product helps identify restriction patterns so you can guide affected customers to workable payment options.
Important Limitations
Decline-code meanings vary by processor, gateway, and payment environment, and issuers do not always disclose the specific reason behind a response. The retry classification on this page is Payment Defender editorial guidance, not an official network rule. Merchants should confirm handling with their processor or gateway.
Related Decline Codes
Sources and Review Information
Last reviewed July 17, 2026
Raw network-response codes are supplemental to the complete processor or gateway response. Meanings and recommended actions can vary by issuer, processor, gateway, card network, payment method, region, and merchant configuration.