# gateway.transaction_processing.transaction_not_permitted_to_cardholder

> For the complete machine-readable documentation index, see [llms.txt](https://apidocs.chargebee.com/llms.txt).


**gateway**

The payment was declined because the card issuer does not permit this transaction type for the cardholder. This can occur due to issuer-imposed limitations, card type restrictions, fraud protection settings, or regulatory blocks.

## Recommended Customer Message

We cannot process this transaction because it is not permitted for your card. Please contact your card issuer for assistance or try using a different payment method.

## Root Cause[](#root-cause)

-   **Issuer-imposed limitations:** The cardholder's bank has blocked certain types of transactions for security, compliance, or product limitations.
-   **Card type restrictions:** Some cards (e.g., prepaid, corporate, or debit cards) are restricted from use for specific transaction types such as international, online, or recurring charges.
-   **Fraud protection settings:** The issuer has blocked the transaction due to risk thresholds or fraud prevention rules.
-   **Regulatory or geographic blocks:** The card cannot be used for transactions in specific countries or regions due to local laws or bank policies.

## Troubleshooting and Solutions[](#troubleshooting-and-solutions)

-   Inform the customer that their card issuer is not permitting the transaction.
-   Ask the customer to contact their bank or card issuer to understand and possibly lift the restriction.
-   Ask the customer to try a different card or payment method if the issue cannot be resolved quickly.
-   Avoid retrying the same card automatically for this error code.