Retry later, spaced by days
The balance or the daily limit resets, so a later attempt with the same card can succeed without the customer doing anything.
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What to build
Send the Retry operation on the declined transaction, which the card networks permit for these three codes. Space attempts by days rather than minutes, cap the number of attempts, and stop as soon as a retry comes back with a code outside this set.
What this means for PCI
This is guidance rather than a compliance determination. Which questionnaire you are eligible for depends on your full environment, so confirm it with your QSA or your acquirer before you rely on it.
Worth knowing
- An issuer that reports insufficient funds now reports it again a minute from now. Retrying within minutes only adds declines to the card's history.
- Where the customer isn't present for the retry, a fresh charge under a stored-credential consent is the other path, and it's reported as merchant-initiated.