Adyen saysSoft decline
19Pin validation not possible
What it means
Declined by the issuer
The issuing bank refused the payment for a reason specific to the card or account.
What to do
Ask the shopper to use another method or contact their bank. A single later retry is reasonable.
Worth retryingWho can fix it: The card issuer
Yuno response codeDECLINED_BY_BANK
Source:Adyen docs — Refusal reasons
Reference only. Codes and descriptions come from each provider's public documentation. The Yuno response code is a reference mapping and does not guarantee how a specific transaction is processed.