unlimited/processing
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Decline code · 01

Decline code 01: Refer to Issuer

The bank wants the cardholder to call them before approving.

unlimitedprocessing.com · decline check
ISO 01
Refer to Issuer
Temporary (soft)
Save on another gateway?
To be confirmed by the Unlimited team
What to do now
  • Ask the buyer to call the number on the back of their card.
  • Whether a cascade helps here is being confirmed by the Unlimited team.
The same decline elsewhere
Stripecall_issuer
NMI240 · Call issuer for further information
Adyen3 · Referral
Authorize.netnot verified yet

Whether a cascade helps here depends on Unlimited’s routing rules, which the team is confirming.

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Soft declines move on. Fraud and stolen cards never do. At most 10 declines per card every 24 hours.
← Check any decline code
Source: official card-network / ISO 8583 response codes and each processor’s documentation. Routing rules: Unlimited Processing. Updated 2026-11-09.