Stripe decline code
approve_with_idThe issuer requests manual verification before approving the charge.
Type
Recoverable
Frequency
Rareapprove_with_id is an old card-present code that occasionally appears online. The issuer wants the cardholder to verify their identity (often by calling the bank). Similar behavior to call_issuer.
Wait at least 24 hours after notifying the customer, then retry once. If it still fails, request a different card.
Ask the customer to contact their bank to verify the charge, then retry.
Temporary issue. The card is still valid. High recovery rate with proper retry timing.
Rare. It is primarily a card-present code that some issuers reuse online when they want manual verification.
How Rebounce handles approve_with_id
Rebounce classifies every failed payment by its Stripe decline code and applies the optimal recovery strategy automatically. For approve_with_id, that means a limited retry window combined with customer outreach. Multi-channel follow-up through email, SMS, WhatsApp, and in-app banners ensures the customer actually sees the message.