approve_with_id_mismatch
ID provided doesn't match issuer's record.
What just happened
Bank wanted ID verification and didn't get a match.
Retry strategy
Customer should call their bank to update records.
What to tell the customer
Your bank flagged identification info. Please call them, then we'll retry.
Recommended action
One retry after 48h. Email with bank fraud-line tip.
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Related codes
Frequently asked questions
Is "approve_with_id_mismatch" a soft or hard decline?+
It's classified as a issuer block: The issuing bank refused. Customer must call their bank or use a different card.
Should I retry a "approve_with_id_mismatch" decline?+
Customer should call their bank to update records.
What should I tell my customer when this happens?+
Your bank flagged identification info. Please call them, then we'll retry.
How do I prevent this decline going forward?+
One retry after 48h. Email with bank fraud-line tip.
Does Rechurn handle this decline code automatically?+
Yes. Rechurn classifies "approve_with_id_mismatch" and runs the optimal retry cadence with a personalized email sequence. Run a free audit to see how many of your failed charges are this code.