Card decline code
card_velocity_exceeded: Card velocity exceeded
The customer has gone over a spending, balance or transaction-count limit on the card. It often clears when the limit resets, so a later retry can succeed.
What card_velocity_exceeded means
card_velocity_exceeded means the card hit a limit set by the issuer: too much spent, too many transactions in a period, or the credit limit reached.
Stripe's next step is for the customer to contact their issuer, but many of these limits reset on their own after a day or a billing cycle.
Should you retry the payment?
Wait at least a day or two before retrying. Repeated same-day attempts only add to the count that caused the decline.
How to recover a subscription payment declined with card_velocity_exceeded
- Hold the next retry for at least a day or two.
- Let the customer know, and offer a link to use a different card.
- If it keeps failing, ask them to raise the limit with their bank.
What to tell the customer
Tell them the card hit a limit, when you will retry, and how to switch cards.
"Hi Sam, your card reached a spending limit, so this month's $49 Acme payment didn't go through. We'll try again in two days, or you can use another card here."
More wording for every situation is in our dunning email templates.
How Revnio handles card_velocity_exceeded
Revnio records card_velocity_exceeded 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 card_velocity_exceeded mean?
The customer has gone over a spending, balance or transaction-count limit on the card. It often clears when the limit resets, so a later retry can succeed.
Should I retry a payment declined with card_velocity_exceeded?
Yes, after the limit resets. Wait at least a day or two before retrying. Repeated same-day attempts only add to the count that caused the decline.
Can Revnio recover payments declined with card_velocity_exceeded?
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
- insufficient_fundsThe account behind the card did not have enough money or available credit to cover the payment. It is the most common reason subscription payments fail, and one of the most recoverable.
- withdrawal_count_limit_exceededThe customer has exceeded the balance or credit limit on the card. Stripe suggests using another payment method; a later retry can also work once the limit resets.
- 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.
- All decline codesEvery common card decline code, grouped by what to do next.
- Dunning email templatesCopy-ready emails for each kind of failed payment.