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.
Why does code 62 occur?
- Account frozen due to compliance or regulatory requirements
- Sanctions screening match on the cardholder's name or address
- Cardholder-requested restriction (e.g., travel lock, spending freeze)
- Court order or legal hold on the account
Can this transaction be retried?
No, code 62 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. Ask for an alternative payment method. Remove this card from recurring billing if applicable.
What cardholders should do
Contact your bank to find out why your card is restricted and how to resolve it. Restrictions can be due to compliance holds, security concerns, or account-level blocks.
Code 62 at a glance
Response Code
62
Name
Restricted Card
Category
hard decline
Retryable
No
Related Decline Codes
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.
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.
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Find a SWIFT codeDecline Code 62 FAQ
Frequently asked questions about decline code 62: Restricted Card.