Stripe decline code
issuer_not_availableThe card issuer could not be reached by the card network. A temporary issue.
Type
Recoverable
Frequency
Uncommonissuer_not_available is returned when the card network tried to authorize the charge but could not reach the issuing bank. It is purely infrastructure; no customer or card problem. Recovery rates on retry are near 90%.
Retry within 2-6 hours. Almost all issuer outages resolve within that window.
No customer message required. Retry silently.
Temporary issue. The card is still valid. High recovery rate with proper retry timing.
It is uncommon but not rare. Bank outages happen weekly at some scale globally. Most resolve quickly, so a fast retry usually recovers.
How Rebounce handles issuer_not_available
Rebounce classifies every failed payment by its Stripe decline code and applies the optimal recovery strategy automatically. For issuer_not_available, that means intelligent retries at the right times. Multi-channel follow-up through email, SMS, WhatsApp, and in-app banners ensures the customer actually sees the message.