PayU saysSoft decline
CONTACT_THE_ENTITYYou should contact the bank.
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
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.