Visa Payment Decline Code
Visa 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 Visa Decline Code 62 Means
Visa response code 62 indicates the card is restricted. The issuer has placed a restriction that prevents this transaction from being approved.
Where the Response May Come From
This Visa response comes from the issuing bank's authorization systems, and reflects an issuer restriction limiting where or how the card is used.
Common Reasons for This Response
Common causes include geographic or merchant-category restrictions, account-level blocks, or program controls that limit where and how the card can be used.
Should the Merchant Retry the Payment?
Treat this as a hard decline: an issuer restriction limiting where or how the card is used 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 an issuer restriction limiting where or how the card is used, 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 an issuer restriction limiting where or how the card is used 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.