Stop, and ask for another payment method
Presenting the same card again gets the same answer. Nothing your code can do changes this one.
Your answers so far
Choose one
What to build
Don't retry. Tell the customer the payment didn't go through and ask for a different payment method. Record the decline reason code against the order for your support team, and never show the customer the declineReasonDescription text: its wording can change without notice.
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 card the issuer reports as lost or stolen must never be presented again.
- A decline the platform can't classify is treated as terminal on purpose. Stopping is the safe default for a retry decision.
- On a stored payment method, a terminal decline is the moment to ask the customer to update their card rather than to keep charging it.