Adyen saysSoft decline
40Current AID is in Penalty Box
What it means
Issuer or acquirer unavailable
The bank or network could not be reached, so nobody actually judged the payment.
What to do
Retry shortly, or route through another provider if you have one.
Worth retryingWho can fix it: The provider
Yuno response codeACQUIRE_CONTINGENCY
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.