Stripe decline code
pin_try_exceededThe customer has entered an incorrect PIN too many times; the card is temporarily locked.
Type
Recoverable
Frequency
Rarepin_try_exceeded is primarily an in-person (card-present) code but occasionally appears online for debit transactions. The card is locked until the customer unlocks it with their bank.
Do not retry. The card is locked until the customer acts.
Ask the customer to contact their bank to unlock the card, then try again. Or offer to use a different payment method.
Permanent issue. The card cannot be charged. Customer must provide a new payment method.
Rarely. It is mostly a card-present code. When it does appear online, treat it like any hard decline: request a new payment method.
How Rebounce handles pin_try_exceeded
Rebounce classifies every failed payment by its Stripe decline code and applies the optimal recovery strategy automatically. For pin_try_exceeded, that means a limited retry window combined with customer outreach. Multi-channel follow-up through email, SMS, WhatsApp, and in-app banners ensures the customer actually sees the message.