dLocal saysSoft decline
312Card restricted by the bank
What it means
Restricted by the bank
The issuer does not allow this kind of transaction on the card, for example online or cross-border use.
What to do
Ask for another card. Processing through a local acquirer can help with cross-border restrictions.
Don't retry as-isWho can fix it: The card issuer
Yuno response codeRESTRICTED_BY_BANK
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.