a month ago
Hey, sorry for asking this question , but I’m still trying to understand what is causing the issue.
I have a new live Stripe account and I’m testing Checkout with my Swiss Visa Debit card while I’m in Croatia. The payment keeps getting declined with do_not_honor, code 05, and try_again_later.
There is no Radar block, the CVC is correct, and Stripe says the decline is coming directly from the bank. The Stripe test card (4242…) works, so my payment integration appears to be working correctly.
I initially used Stripe Elements, but I also tested the payment using Stripe’s fully hosted Checkout page to rule out any issue with my own frontend or implementation. The payment was still declined in exactly the same way.
I spent around seven hours on the phone with my bank. They investigated the issue thoroughly and contacted several parties on my behalf, including the DebitX card provider and Visa directly. All of them checked the card and the transactions, but no one was able to find any error, restriction, or technical problem. They all confirmed that the card should be working normally.
To verify this, I successfully purchased a Hugging Face subscription using the exact same card from the same location in Croatia. Hugging Face also uses Stripe to process payments, so this confirms that the card works with Stripe and that international online payments are possible.
The payment only gets declined when I try to use the card with my own new Stripe account, even when using Stripe’s hosted Checkout page.
Could this be related to the Stripe account being new, the foreign IP address, or multiple failed attempts? Has anyone experienced something similar? 🙏
3 Replies
a month ago
This thread has been opened as a bounty so the community can help solve it.
Status changed to Open Railway • about 1 month ago
a month ago
I’d check your Stripe dashboard (including Radar) for any errors and make sure all information is entered correctly.
A “Do not honor” error is issued by the customer’s bank, that they’re unwilling to process the transaction.
a month ago
Good point. I already tested that by entering exactly the same personal and card information that I used successfully on Hugging Face. However, the payment on my own Stripe Checkout page is still declined every time with the same error.
My Swiss bank uses DebitX for identity verification. During the payment, I’m redirected to DebitX, then to my bank for confirmation, and finally back to Stripe’s hosted Checkout page, where the payment is shown as declined.
My bank investigated the issue in detail and contacted both DebitX and Visa directly. I spent around seven hours speaking with them, but they could not find any issue with the card, the authentication process, the technical setup, or the card settings.
The same card works successfully on Hugging Face, which also uses Stripe. The problem only occurs when paying through my own new Stripe account.
a month ago
I checked the Stripe charge log and it confirms the payment was not blocked by Radar or by failed authentication.
failure_code: card_declined
outcome.type: issuer_declined
reason: do_not_honor
network_decline_code: 05
advice_code: try_again_later
network_status: declined_by_network
risk_level: normal
CVC check: pass
3D Secure: authenticated
So the payment appears to pass CVC and 3D Secure successfully, but then gets declined by the issuer/network afterward.