What Is Error Code 62
Error code 62 in payment networks is called "Restricted Card." It's a response from the issuing bank indicating: this card cannot be used for this type of transaction, in this country, or at this merchant.
Error 62 originates at the issuing bank — meaning your bank is declining the transaction, not the merchant or the payment network. The card works in general, but has specific restrictions that prevent this particular operation.
Why Error 62 Occurs
Geographic restrictions. A card may be restricted for use in certain countries or regions. For example, some banks issue cards blocked for transactions in specific jurisdictions due to regulatory requirements or sanctions.
Transaction type restrictions. A card may be configured only for certain operations: online-only, offline-only, domestic currency only, or POS terminals only (not internet payments).
Merchant category restrictions. Certain MCCs may be blocked on the card — similar to what's described in MCC restriction articles.
Special-purpose card. Gift cards, corporate cards with a restricted use case, and loyalty cards can all trigger code 62 when used outside their permitted scope.
Sanctions-related restrictions. If the card is issued by a bank under sanctions, transactions in certain countries or through specific payment networks may be automatically blocked.
How to Fix It
Step 1: Identify the type of restriction. Call your bank and ask specifically: "What restriction is active on my card, and why was the payment declined with code 62?" The bank is required to explain.
Step 2: Check card settings in your bank app. Many banks let you manage restrictions through their mobile app: enabling/disabling international payments, online payments, etc.
Step 3: Request restriction removal through support. If the needed option isn't in the app, ask a support agent to lift the restriction. Some restrictions can be removed; others cannot (such as hard regulatory blocks).
Step 4: Use a different card. If your bank cannot or will not lift the restriction, the only solution is a card from a different issuer. Marix virtual cards don't carry standard geographic or MCC restrictions.
Frequently Asked Questions
What's the difference between error 62 and error 57? Both indicate restrictions. Code 57 ("Transaction not permitted to cardholder") refers to a specific transaction type that's prohibited for the cardholder. Code 62 is a broader category covering geographic, product-level, and regulatory restrictions.
Can a card get error 62 only for online payments but work in physical stores? Yes. Some cards are permitted for POS (offline) transactions but blocked for CNP (card not present, i.e., online). This is one of the most common forms of a code 62 restriction.
If I get a new card from the same bank, will the restriction go away? Not necessarily. If the restriction is set at the product or issuer level, a new card will have the same limitations. You'll need a card from a different bank.
Looking for a card without geographic or MCC restrictions? Marix — virtual cards for payments worldwide.