This error indicates that the owner of the card has placed a restriction on the card that is not allowing the transaction to go through. Being a soft decline (the result of a temporary issue), the best way to resolve this error is to simply retry the card at a later time. If the error persists, consider contacting the customer with a request to try another card, check whether the current card is authorised for online transactions or contact the issuing bank for information on what restrictions have been placed on the current card.