issuer_not_available
Issuing bank's authorization service is down.
What just happened
Bank's authorization network is temporarily unreachable. Pure infrastructure issue.
Retry strategy
Wait 30-60 minutes, then retry. Most clear quickly.
What to tell the customer
Your bank's authorization service was temporarily unavailable. We'll retry shortly.
Recommended action
Auto-retry within an hour. Don't email customer — issue is on issuer side.
Want to see what this looks like on your Stripe?
See how often "issuer_not_available" hits your Stripe account in the last 30 days — and how much MRR is at risk because of it.
Related codes
Frequently asked questions
Is "issuer_not_available" a soft or hard decline?+
It's classified as a soft decline: Temporary issue. Retry later — most resolve within 7 days with the right cadence.
Should I retry a "issuer_not_available" decline?+
Wait 30-60 minutes, then retry. Most clear quickly.
What should I tell my customer when this happens?+
Your bank's authorization service was temporarily unavailable. We'll retry shortly.
How do I prevent this decline going forward?+
Auto-retry within an hour. Don't email customer — issue is on issuer side.
Does Rechurn handle this decline code automatically?+
Yes. Rechurn classifies "issuer_not_available" and runs the optimal retry cadence with a personalized email sequence. Run a free audit to see how many of your failed charges are this code.