Recovery guidance
What to do when Stripe returns card_velocity_exceeded
What it means for the customer
The card may work later or after issuer approval, but the customer may need another payment method for the current invoice.
First recovery move
Use generic decline language and give the customer a secure path to use another payment method or contact the card issuer.
Retry timing
Use Stripe Smart Retries or retry only when Stripe's advice_code is try_again_later. Otherwise, ask the customer to contact the issuer or use another payment method.
Email angle
Treat the customer message like a generic decline. Say the payment could not be processed, then offer another payment method or issuer contact without naming the issuer's internal limit.
What to avoid
Avoid immediate retry loops, claiming certainty about the issuer's internal rule, or implying that the customer cancelled.