What does Adyen refusal code 62 mean?

Adyen refusal code 62 Restricted Card is returned when the issuing bank has placed one or more restrictions on the card that prevent this transaction. It maps to Stripe's restricted_card. The card remains active — the issuer is just blocking specific types of transactions.

Is it a soft or hard decline?

Code 62 is a soft decline. Some restrictions are temporary (fraud alerts, travel flags) and clear naturally; others are persistent (corporate category controls) and require customer action.

Common root causes

• International transaction blocks

• Merchant category restrictions on corporate cards

• Temporary fraud holds or travel alerts

• Recurring payment blocks set up by the cardholder

Recommended recovery steps

1. Retry if the restriction is likely transient (fraud alerts typically clear within hours to days).

2. Request a backup payment method if the restriction is persistent, such as a corporate card policy.

3. Ask the customer to contact their bank for lift requests, but only as a last resort due to the friction involved.

How FlyCode handles Adyen code 62

FlyCode's per-merchant ML models identify whether 62 declines are transient (retry-friendly) or persistent (requires outreach) based on network-level patterns. Smart retries recover transient cases automatically; AI outreach handles persistent ones without wasting acquirer fees.