Visa Payment Decline Code
Visa Decline Code 57: Transaction Not Permitted to Cardholder
Category Transaction RestrictionsRetry Guidance Hard Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Decline Code 57 Means
Visa response code 57 indicates the transaction type is not permitted to the cardholder. The issuer does not allow this kind of transaction on the account.
Where the Response May Come From
This Visa response comes from the issuing bank's authorization systems, and reflects a transaction type the issuer does not permit on the account.
Common Reasons for This Response
Common causes include account restrictions on certain transaction types, product limitations, or issuer rules that block the requested activity.
Should the Merchant Retry the Payment?
Treat this as a hard decline: a transaction type the issuer does not permit on the account generally must change at the issuer or cardholder level first, so resubmitting the same card is unlikely to succeed and may be discouraged.
Recommended Merchant Action
Because this decline reflects a transaction type the issuer does not permit on the account, ask the customer to use a different card or contact their bank to confirm what the account allows.
What to Tell the Customer
Suggest another payment method or contacting their bank.
How to Reduce Similar Payment Failures
Tracking how often a transaction type the issuer does not permit on the account appears by issuer and BIN can help you offer suitable alternative payment methods at checkout.
Important Limitations
Decline-code meanings vary by processor, gateway, and payment environment, and issuers may not disclose the precise reason behind this 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.