Transaction Not Permitted to Cardholder
The card is not allowed to perform this type of transaction. The restriction is set at the card product level or by the cardholder's issuer based on the card's configuration.
Why does code 57 occur?
- Card not enabled for online/card-not-present transactions
- International transactions blocked by default issuer settings
- Cash advance not permitted on this card product
- Merchant category code (MCC) restricted by issuer policy
Can this transaction be retried?
No, code 57 is a hard decline and should not be retried. The underlying issue is permanent and the same card details will continue to be declined. Ask the customer for an alternative payment method.
What merchants should do
The card cannot be used for this transaction type. Ask for an alternative payment method. If this occurs frequently, verify your MCC is correctly classified.
What cardholders should do
Your card may have restrictions on certain transaction types (online purchases, international transactions, cash advances, or specific merchant categories). Contact your bank to enable the type you need.
Code 57 at a glance
Response Code
57
Name
Transaction Not Permitted to Cardholder
Category
hard decline
Retryable
No
Related Decline Codes
Invalid Transaction
The transaction type is not supported or not allowed for this card. The card may not be configured for the type of purchase attempted, or the request format is incorrect.
Transaction Not Allowed — Terminal
The transaction is not allowed at this terminal or merchant. The restriction is based on the merchant's terminal type, configuration, or the acquiring bank's rules.
Restricted Card
The card has been restricted by the issuing bank and cannot be used for any transactions. This is a broad block that is typically applied for compliance, regulatory, or security reasons.
More tools for payment teams
Free utilities built on the same data that powers Fyatu's card issuing platform. No sign-up, no rate limits.
BIN Checker
Look up any card BIN (Bank Identification Number) to find the card brand, type, issuing bank, and country.
Look up a BINCurrency Converter
Convert between 150+ world currencies with live exchange rates. Free, fast, and always up to date.
Convert currencySWIFT/BIC Lookup
Look up bank details from a SWIFT/BIC code or search by bank name to find the right code for international transfers.
Find a SWIFT codeDecline Code 57 FAQ
Frequently asked questions about decline code 57: Transaction Not Permitted to Cardholder.