Manage Declines

Handle issuer decline responses and prevent retries that can increase risk and cost.

Use the transaction result-code and display-message to decide what happens next. Do not automatically retry the responses in this table.

Do not retry

Use this table to identify decline responses that require a different action.

Code	Display message	Action
04	Pick up card (No fraud)	Request another payment method.
07	Pick up card, special condition (fraud account)	Do not retry. Contact the cardholder only when appropriate.
14	Invalid card number	Validate the card number before another attempt.
15	No such issuer	Verify the BIN or routing. Correct the issue before another attempt.
41	Card lost	Do not retry. Contact the cardholder only when appropriate.
43	Card stolen - pickup	Do not retry. Contact the cardholder only when appropriate.
46	Declined by Issuer - Closed account	Deactivate the stored token. Request another payment method.
R0	Stop payment order	Cancel the specific recurring transaction.
R1	Revocation of authorization order	Disable recurring billing for this cardholder.
R3	Revocation of all authorizations order	Disable all recurring transactions for this account.
9G	Blocked by cardholder - Contact cardholder	Do not retry. The cardholder blocked the merchant or category.
62	Issuer Blocked, cardholder must contact their bank	Do not retry automatically. Ask the cardholder to contact the issuer.

Other responses

For an unlisted or unknown response, review the issuer response. Handle the transaction under applicable network rules.

Decline handling

1. Store the response code and display message with the payment attempt.
2. Stop retries for a non-retry response.
3. Disable future billing when the response requires it.
4. Request updated payment details when the stored card is unusable.

Related topic

See Transactions for transaction request and response fields.