When Stripe returns decline code call_issuer, it means: customer must contact card issuer. This is classified as a authentication in the Verification subcategory. This type of decline usually requires direct customer action to resolve.
LostChurn triggers a verification flow, sending the customer a secure link to complete identity verification or 3DS authentication. We optimize the verification UX for mobile devices where most failures occur.
Send the customer a 3DS/SCA authentication link immediately. Retry after successful authentication. If not completed within 72 hours, send a reminder. Maximum 0 authentication attempts before escalating to manual outreach.
The code call_issuer is also returned by 2 other payment processors:
LostChurn detects call_issuer declines in real time and applies the optimal recovery strategy — no manual intervention needed.
