Visa Payment Decline Code
Visa Decline Code R0: Stop Payment Order
Category Transaction RestrictionsRetry Guidance Hard Decline (Editorial Classification)By Payment Defender Editorial TeamUpdated July 17, 2026Last reviewed July 17, 2026
What Visa Decline Code R0 Means
Visa response code R0 indicates a stop payment order applies to this transaction. The cardholder has instructed the issuer to stop a specific payment.
Where the Response May Come From
This Visa response comes from the issuing bank's authorization systems, and reflects a cardholder stop-payment order placed on the charge.
Common Reasons for This Response
Common causes include a cardholder stop-payment request on a recurring or specific charge, often tied to a canceled service or disputed billing.
Should the Merchant Retry the Payment?
Treat this as a hard decline: a cardholder stop-payment order placed on the charge 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 cardholder stop-payment order placed on the charge, 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 cardholder stop-payment order placed on the charge 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.