When Stripe returns decline code not_permitted, it means: payment not permitted — customer should contact issuer. This is classified as a hard decline in the IssuerBlock subcategory. This type of decline usually requires direct customer action to resolve.
LostChurn sends a clear, branded email explaining the customer's bank blocked the charge and suggests they contact their bank to whitelist the merchant. We include a one-click retry link for after the customer resolves the issue.
Do not retry the same card details. Trigger Account Updater check first, then send a payment update email. Wait 0 hours between outreach attempts. Maximum 0 contact attempts over 14 days before marking as churned.
The code not_permitted is also returned by 1 other payment processor:
do_not_try_againStripeIssuer has permanently blocked this transactionrestricted_cardStripeCard has been restricted by issuerrevocation_of_all_authorizationsStripeAll authorizations revoked by cardholderrevocation_of_authorizationStripeAuthorization revoked by cardholderstop_payment_orderStripeCardholder requested stop on paymentLostChurn detects not_permitted declines in real time and applies the optimal recovery strategy — no manual intervention needed.