Decline Code 28: File temporarily not available for update or inquiry

The decline code “28: File temporarily not available for update or inquiry” in credit card transactions indicates that the transaction cannot be processed because the bank’s system that authorizes credit card transactions is temporarily unavailable. This could be due to system maintenance, updates, or a temporary outage. When this decline code appears, the transaction does not go through, and the merchant or customer may need to try again later once the system is back online. This code essentially informs both parties that the issue is on the banking or processing side, not with the card or cardholder’s account directly.