call_issuerNeeds customer actionStripe decline code: Call issuer
The cardholder must contact their bank.
Recovery outlook
Needs customer action. The card or account details need to change, or the customer must clear something with their bank. Recovery runs through dunning, not blind retries.
What it means
The issuer is directing the cardholder to call the bank before the charge can go through.
Why it happens
A hold, verification, or fraud check that only the cardholder can resolve directly with their issuer.
Can you retry it?
There's no integration fix and blind retries won't clear a bank-side hold. The recovery is a dunning prompt telling the customer to call their bank, plus the option to use a different card.
Recovery playbook
- 1Prompt the customer to contact their issuer.
- 2Offer an immediate alternate-card path.
- 3Try at most one delayed retry in case the hold lifts.
- 4Stop retrying to avoid stacking fraud signals.
How Reecova handles call_issuer
Reecova flags call_issuer as needing customer action and triggers a dunning sequence to collect an updated card or prompt the bank contact, rather than wasting retry attempts. It runs across your whole Stripe account automatically, and shows the dollars each code is costing you.