All Cielo codes
CIELO · RETURN CODE

Cielo
02

Not authorized: transaction referred by the issuing bank (suspected fraud). Cardholder should contact the issuer.

Cielo saysSoft decline
02

Not authorized: transaction referred by the issuing bank (suspected fraud). Cardholder should contact the issuer.

What it means

Refer to card issuer

The issuer wants the cardholder to get in touch before it approves this payment.

What to do

Ask the shopper to call the number on the back of the card, then try again.

Worth retryingWho can fix it: The card issuer
Yuno response codeREFER_TO_CARD_ISSUER
Source:Cielo docs — Códigos de Retorno padrão ABECS (API E-commerce Cielo)

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.