Can I retry NMI decline code 262?

No. 262 instructs you to stop this recurring program on the card. Re-billing after a stop request risks a chargeback. Re-confirm the plan with the customer or capture a new arrangement instead.

What’s the difference between NMI 262 and 261?

262 stops only your specific recurring program (usually a customer request on that charge); 261 stops ALL recurring payments on the card (often bank-initiated). Both require action, not a retry.

The customer says they didn’t cancel — why did I get a 262?

Cardholders sometimes ask their bank to stop a charge instead of cancelling with the merchant. Reach out to confirm intent; if they want to continue, capture a fresh payment method rather than reusing the stopped one.

Decline code 262: Stop This Recurring Program

By Jay Stevens · Principal EngineerReviewed by Jordan MederichUpdated June 8, 20262 min read

Summarize with AI

Quick answer

NMI response code 262 — “Declined: Stop This Recurring Program” — means the issuer is instructing you to stop one specific recurring charge on the card, typically because the cardholder asked their bank to cancel that subscription. Per NMI’s documentation it’s a hard decline. Unlike code 261 (which stops all recurring on the card), 262 targets your program. Don’t retry — recover by re-confirming the plan with the customer or capturing a fresh payment arrangement.

What code 262 means

Hard declineDo not retry

Do NOT retry. NMI response code 262 is an instruction to stop THIS specific recurring program. Continuing to bill the card after a stop request risks chargebacks — recover by re-confirming the plan or capturing a new method.

Cross-processor equivalents

The same issuer decision surfaces under a different code on every processor. Here is how code 262 maps across the stacks Revatto recovers on.

ProcessorCodeWhat it’s called

Code262

CalledStop this recurring programresponse_code 262 (response = 2)

ISO 8583

CodeR1

CalledRevocation of authorizationNetwork instruction to stop this recurring order

Codegeneric_decline

Calledcard_declinedNo dedicated code — cancel this subscription, don’t retry

Code2

CalledDeclinedReason code 2 — treat as a stop on this program

Why it happens

The cardholder contacted their bank to stop this particular subscription rather than cancelling with you directly.
A billing dispute the customer escalated to their issuer instead of to support.
A trial or plan the customer intended to end, routed through the bank.

How to recover it

1Stop billing this recurring program on the card — don’t re-attempt the same charge.
2Reach the customer to understand intent: a win-back / re-confirm if they still want the service, or a clean cancellation if they don’t.
3If they want to continue, capture a fresh authorization or payment method rather than reusing the stopped one.
4
Reading intent takes a person, not a dunning sequence. Revatto’s human team has that conversation for you — email and SMS, white-labeled as you — and recovers the ones worth keeping, with no fee unless a payment comes back.See how Revatto recovers 262declines →

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Failed payments recovered automatically — no engineering, no manual chasing. We do the work; you keep the revenue.

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