Refer to Card Issuer
What it means
The issuer wants the cardholder to contact them before the transaction can be approved.
Why it happens
The issuer has flagged the account and requires direct contact or manual referral before authorizing.
If you’re the cardholder
Call your card issuer to resolve the issue, then try again.
If you’re the merchant
Advise the customer to contact their bank; do not automatically retry the same card.