Retry once the issuer or processor recovers
Something between the platform and the issuer was unavailable. The card itself wasn't refused.
Your answers so far
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What to build
Wait, then create the payment again as a new transaction under a new idempotency key. The Retry operation isn't offered for these codes, because the card networks only permit resubmitting a decline tied to the cardholder's funds or limits.
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
- A new attempt needs a new idempotency key. A create that got an answer is replayed under its key for 48 hours, so resending with the old one hands you the same refused transaction.
- CB_OPEN means the platform suspended traffic to a processor that was failing and sent nothing. Retry after it recovers, not straight away.
- Back off between attempts. A burst of retries against an issuer that's down only lengthens the queue it's recovering from.