Decline Code 02: Refer to issuer (special condition)

The credit card decline code “02: Refer to issuer (special condition)” indicates that the transaction cannot be processed and that the merchant should contact the card issuer for further information. This code generally suggests that there may be a special condition or an issue with the cardholder’s account that needs to be addressed directly by the bank or card issuer. The issuer may need to verify the cardholder’s identity, check for security concerns, or resolve an account status issue before the transaction can be authorized. This code is a protective measure to prevent fraudulent transactions and ensure the security of the cardholder’s account.