Card decline code
approve_with_id: Approve with ID
The payment could not be authorized. Stripe recommends trying again; if it is declined again the customer should contact their bank.
What approve_with_id means
approve_with_id originally asked the merchant to check the cardholder's ID. Online, it simply means the payment was not authorized this time.
Should you retry the payment?
Retry once. If it fails again, ask the customer to contact their bank.
How to recover a subscription payment declined with approve_with_id
- Retry once after a few hours.
- If it fails again, email the customer asking them to call their bank or switch cards.
What to tell the customer
Only needed after a second failure: ask them to contact their bank or update their card.
"Hi Sam, your bank couldn't authorize this month's $49 Acme payment. Please contact your bank or update your card here."
More wording for every situation is in our dunning email templates.
How Revnio handles approve_with_id
Revnio records approve_with_id on the failed payment, follows your retry schedule (by default 1, 3, 5 and 7 days, adjusted for the customer's value and plan, and moved to weekday business hours), and emails the customer a secure link to pay or update their card. WhatsApp (Pro plan) reminders follow if the email is not clicked. The Insights page shows how often each decline code recovers for you. On Paddle, Paddle runs the payment retries itself and Revnio handles the customer outreach.
Decline codes are returned by the card issuer through your payment processor. Code names here follow Stripe's; Chargebee and Paddle surface the same issuer reasons with their own wording. Last reviewed 2026-10-15.
Frequently asked questions
What does decline code approve_with_id mean?
The payment could not be authorized. Stripe recommends trying again; if it is declined again the customer should contact their bank.
Should I retry a payment declined with approve_with_id?
Once, then contact the customer. Retry once. If it fails again, ask the customer to contact their bank.
Can Revnio recover payments declined with approve_with_id?
Revnio picks up the failed payment from Stripe, Chargebee or Paddle, adjusts retry timing to the decline code, and reaches the customer by email and WhatsApp (SMS is coming soon) with a secure link to pay or update their card.
Recover failed payments on autopilot
Revnio retries failed payments at the right time and reaches customers by email and WhatsApp until the card is fixed. Works with Stripe, Chargebee and Paddle.
Related
- call_issuerThe bank declined for an unknown reason and asks the cardholder to contact them. The customer needs to call their bank or use another card.
- do_not_honorThe issuing bank declined the payment without giving a reason. It is a catch-all code: the cause might be a fraud check, an account restriction or the bank's own rules.
- reenter_transactionThe issuer could not process the payment for an unknown reason and asks for it to be submitted again. A retry usually works.
- All decline codesEvery common card decline code, grouped by what to do next.
- Dunning email templatesCopy-ready emails for each kind of failed payment.