Suggested Action
Re-attempt the transaction if the issue persists and have the cardholder call their issuing bank. The cardholder can find the number on the back of their card.
More Information
| Decline Code | 000028 | 
| Response Message | No Reply | 
| Definition | File is temporarily unavailable | 
| Additional Details | Unable to contact cardholders' issuing bank for authorization. | 
You may also be interested in reading: Decline/Error Code Master Lists
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