Error Code 57: What It Means & How to Fix It

Written by Pat Crawley | Edited by Rory Hart
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Error Code 57

Error Code 57 is a payment transaction decline showing that the cardholder’s bank has restricted the type of transaction attempted. It often occurs due to card usage limitations, such as prohibitions on specific merchant categories or transaction types. This error prevents the completion of the transaction, requiring further action by the cardholder. 

Understanding Error Code 57 is crucial to identifying its causes, addressing the issue, and preventing future occurrences. Users can ensure smoother and more reliable payment experiences by resolving these restrictions.

What Is Error Code 57?

Error Code 57 is a payment decline code that occurs when a transaction is blocked because of restrictions set by the cardholder’s bank. These restrictions are often related to the type of transaction, merchant category, or card usage policy.

Common Occurrences

  • Point-of-Sale (POS) Terminals: Declines happen during in-store purchases when the card isn’t authorized for certain merchant types.
  • Online Purchases: The error may appear if the card isn’t enabled for e-commerce or international transactions.
  • ATMs: The card might be restricted from withdrawing cash, especially internationally or at certain banks.
  • Recurring Payments: Some banks block recurring transactions for specific categories like subscriptions or services.

Implications

  • Transaction Denial: The transaction won’t be processed until the restriction is resolved.
  • Inconvenience: This error can disrupt payments, particularly in urgent situations.
  • Security Implications: It may be a protective measure to prevent unauthorized or fraudulent transactions.

Common Causes of Error Code 57

Error Code 57 typically occurs due to restrictions or policies set by your bank or card issuer, preventing the transaction from being processed. Here are the most common causes:

  • Card Restrictions: The card is limited to specific types of transactions, such as being restricted from international use or online purchases.
  • Blocked Merchant Categories: The bank prohibits transactions with certain businesses or industries.
  • Fraud Prevention Settings: Security measures block transactions that appear unusual, high-risk, or out of the ordinary.
  • Expired or Inactive Cards: The card used may have expired or not activated.
  • Issuer Policy: Some banks have rules that limit or prevent certain transactions based on their internal policies.

Steps to Resolve Error Code 57 

To resolve Error Code 57, follow these steps to identify and address the issue effectively:

  • Verify Transaction Details: Ensure you’re not attempting a prohibited transaction. Check if the merchant’s category or transaction type matches your card.
  • Contact Your Bank or Card Issuer: Contact your bank to inquire about the restriction causing the decline and request to lift or modify the restriction if the transaction is valid.
  • Check for Card Activation or Expiration: Confirm that your card is active and hasn’t expired. If it has expired, request a replacement card from your issuer.
  • Use an Alternative Payment Method: If the restriction cannot be resolved immediately, use a different card or payment method to complete the transaction.

By following these steps, you can address the root cause of the error and ensure smoother transactions.

Preventing Error Code 57 in the Future

Proactive account management and understanding your card’s capabilities are essential to prevent future encounters with Error Code 57.

  • Understand Card Restrictions: Familiarize yourself with your bank’s policies and any limitations tied to your card, such as prohibited transaction types or merchant restrictions.
  • Update Contact Information: Ensure your bank has accurate contact details to promptly notify you of issues, restrictions, or suspicious activity.
  • Use the Right Card for Transactions: To avoid restrictions, select cards designed for specific transaction types, such as international use, online purchases, or high-value payments.
  • Monitor Account Activity: Review your transactions regularly to spot and address potential issues early, reducing the chances of a declined transaction.

FAQs – Error Code 57

Error Code 57 can be confusing, but understanding its causes can help you quickly resolve the issue. Below are answers to frequently asked questions about this error:

Conclusion

Error Code 57 occurs when a transaction is declined due to restrictions set by the card issuer, such as prohibited transaction types or blocked merchant categories. Common causes include card limitations, expired cards, or fraud prevention measures. Understanding your card’s restrictions and promptly contacting your bank for assistance is key to resolving these issues. 

Proactive account management, such as monitoring activity and using the appropriate card for specific transactions, can help prevent future errors. Staying informed about your card’s policies ensures smoother, hassle-free payments. Seek guidance from your bank to address any persistent concerns.

Pat Crawley

About the Author:

Patrick is a financial expert with deep knowledge in trading, technical analysis, and market structure. His analytical skills and ability to simplify complex topics have made him a trusted advisor for firms looking to navigate the financial markets effectively. Recognized for his insightful reports and strategic market analysis, Patrick has earned high praise from industry professionals. He is also the host of a widely-followed podcast, where he delves into market trends, options trading, and value investing, providing actionable insights for investors and professionals alike.